What is the proper procedure if the bill was paid to the finance company instead of the collection agency.?

Question

What is the proper procedure if the bill was paid to the finance company instead of the collection agency.?

Answer 1

The finance company will apply your payment to your account and the collection agency is out of luck and the collection agency doesn't get paid. (Collection agencies make their money by getting a percentage of the amount they collect- that's why they get so snippy.  Unless they collect some money, they don't get paid at all.) Once you make the payment to the finance company, the finance company should take your account out of collection.  The finance company will be happy that you make the payment directly to them because than the finance company doesn't have to pay the collection company anything.