Collections?

Question

I was placed into collections for my Credit Care about 4 months ago bc i was unemployed. The collection agency just contacted me in writing last week stating i have 30 days to respond. Not even 3 days after receiving the letter I received a voicemail implying I will be sued bc I have not made attempts to pay. I hardly got a chance!! just got a dec job so i called to try to make payment and they were really rude demanding in full, which is 1500, which i DO NOT HAVE to spare. Can I still contact the original creditor or do i have to deal with these ppl? I don't like to be threatened!!

Answer 1

If the collection agency bought the account from the original creditor, they are entitled to any payments you might make.

Debt collectors cannot be abusive and they cannot pretend to be (or work for) attorneys when this is not the case. Anytime a debt collector threatens legal action, per the Fair Debt Collection Practices Act, you have the right to speak with their [alleged] attorney. Request to know the attorney's full name and his/her license # in the state bar association.

If you pay, get a written agreement from the FIRST prior to paying them. Never give debt collectors direct access to your checking account...they'll take out way more than you authorize.

Answer 2

Make a log of all calls/letters sent where they are threatning

you and you can sue them for harasment they have no right

to do that, I know its their job but they dont have a right to be

mean or rude. Dont put up with that. Send them a cease and

desist letter samples in creditboards.com, also send them a

letter for them to verify the debt. But if they keep calling you

contact a lawyer, most ofthem dont charge  the first interview

also you can threaten them with bankruptcy if they dont

accept your conditions.  Be firm.  Good luck!!