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This is kind of an ambiguous question to ask in this thread but hopefully this is the right place and someone can offer help. My fiance went in for a wedding dress fitting in July and chose a dress around $2000. She couldn't put the entire amount down (which I got after her about) but the boutique offered a layaway program. Because this was (apparently) a designer dress, they required a set amount to be placed down before ordering of a dress could be done. Fast forward to a few days ago. A death in her family, as well as a major illness for another member, has caused or wedding plans to be postponed (for now). When she called to ask about the layaway on the dress and to get her money back, the boutique is refusing to give her any money back toward the dress. I was told that the dress needed 35% ($700) to be ordered, yet my fiance states she has only put $500 down in the first place. When they refused, their reasoning was along the lines of "because of the designer status, it needed to be special ordered and cannot be cancelled and will be ordered in the end of November". I told her to call back and call them on this bluff and then they changed the story to "the dress has already been ordered and will arrive on November 26th. They apparently also made it sound like she is responsible for the remainder of the cost and if she doesn't pay they will remove the funds from the bank card she used or use debt collectors. Are there any types of laws (IN TEXAS) regarding this type of action from a seller? I feel like all of this talk is utter bullshit and they are simply trying to rush order/force this dress on my fiance now they sense a $2000 sale is leaving out of the door. Do laws against layaway even exist?
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Nov 7, 2012 01:16
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notMordecai posted:Do laws against layaway even exist? Quick glance at google indicates that layaway is a contract between the store and the customer in Texas (no specific laws), so ask for a copy of the layaway agreement that she signed with the store. If she didn't sign one, they cannot enforce one, can they?
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Nov 7, 2012 02:40
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Alright goons, some serious advice needed here. To be clear I know I am an idiot, have horrible financial sense, am likely to suffer endlessly, etc. During a particularly tough time a couple months ago I got tied up in two payday loans (mycashnow.com and mobiloans.com) (I live in PA). These things are loving debt traps and in my current financial standing I am getting no where paying them off. Between the two I owe about $1,000. I am trying to figure out if my best bet is to cut off the bank accounts they are tied to and deal with them when they start robocalling me or pray to god I hit the powerball. I know I could ask family/friends for help but they have already done a ton for me and no one in my family is exactly wealthy. Oh god goons help.
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Nov 12, 2012 07:43
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The good news is that payday loans are illegal in Pennsylvania(at the moment; I understand HB 2191 will change that if it passes). The bad news is that, assuming the lenders you mentioned are licensed by the state's Banking Department, they can still charge you a 24% APR. But most payday loan providers charge triple digit rates, which is how people get in trouble; if that's why you find yourself $1,000 in the hole, then you could try contacting your State Attorney General about the excessive interest rate.
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Nov 12, 2012 08:21
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ibntumart posted:The good news is that payday loans are illegal in Pennsylvania(at the moment; I understand HB 2191 will change that if it passes). The bad news is that, assuming the lenders you mentioned are licensed by the state's Banking Department, they can still charge you a 24% APR. Thanks for the response. The triple digit APR is what is keeping me in the hole. One of the rates is 485% and the other is similar. How do I go about contacting the attorney general? edit: From some googling it looks like atleast one of the sites isn't licensed in PA, whatever that means for me. What is a good resource for getting the official yes/no in terms of their state license? Topsy Kretts fucked around with this message at 08:45 on Nov 12, 2012 |
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Nov 12, 2012 08:35
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Topsy Kretts posted:Thanks for the response. The triple digit APR is what is keeping me in the hole. One of the rates is 485% and the other is similar. How do I go about contacting the attorney general? This is the consumer complaint page: http://www.attorneygeneral.gov/complaints.aspx?id=451 Near the bottom is an option to file an online form. And this is the Banking Department's website: http://www.portal.state.pa.us/portal/server.pt/community/consumer_information/14322/1_1_file_complaint_ask_questions/598521 You can search to see if a lender is licensed. You can also file a complaint.
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Nov 12, 2012 08:58
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ibntumart posted:This is the consumer complaint page: http://www.attorneygeneral.gov/complaints.aspx?id=451 Thanks again, What does being licensed or not licensed mean? Is it a basic license to conduct business in a state or something more specific in regards to operating a business that loans money? Are complaints actually taken seriously or is more of a "ugh another idiot wrapped up in a payday loan" type thing? I fired off a couple e-mails to various govt agencies to, if nothing else, bring these particular lenders onto someones radar. edit: In addition, while I am on this current google binge what is a good "official" resource on getting what is and is not legal in a certain state in terms that a human can understand? I'm done getting boned, time to get informed. edit again: It appears PDLs are illegal across the board in PA. I am getting mixed signals between making a deal with the lenders and locking up my bank account and telling them to get bent...ugh. ps this thread rules Topsy Kretts fucked around with this message at 13:36 on Nov 12, 2012 |
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Nov 12, 2012 09:14
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I disputed a ton of stuff a few months ago, got about half of the negative entries removed from all 3, with about half of the remaining entries "updated with new information" (which looks to be mostly changing the age of the debts in my favor), a couple showing "validated", and the rest removed. So now one collector has taken a new approach.. The SOL in Texas is 4 years. This collector has started sending weekly letters that basically say "We know we can't sue you, we won't even report this debt to the bureaus, but we're offering you a payoff of 25% and we'd just love it if you could pay us  "This debt is one of the ones still showing, with "updated information", on 2 bureaus. I know they can report until 7 (they just can't do much beyond sending a letter after 4, since I've requested [and recorded] that they not call me), but they're sending me letters saying they won't report it. Any way I could possibly get this removed at this point, or am I stuck with it since they apparently validated and updated info? It's been with LVNV Funding for at least a year. Topsy Kretts posted:During a particularly tough time a couple months ago I got tied up in two payday loans (mycashnow.com and mobiloans.com) (I live in PA). These things are loving debt traps and in my current financial standing I am getting no where paying them off. Between the two I owe about $1,000. I am trying to figure out if my best bet is to cut off the bank accounts they are tied to and deal with them when they start robocalling me or pray to god I hit the powerball. I know I could ask family/friends for help but they have already done a ton for me and no one in my family is exactly wealthy. For what it's worth, I fell into a similar pay day loan trap several years ago. Wachovia wound up closing the account for being overdrawn for too long and putting me on ChexSystems (that report finally fell off this year, made it a pain in the rear end to get a bank account for awhile) - I had closed the account, but they kept nailing me with automated transfers... which reopened the account every time. If you close the account, get something in writing from the bank/CU as to whether they'll reopen it when an EFT hits. Many will still re-open it if any activity pops up within 30 days. The debt eventually got assigned to a lawyer, but the most they've done is send dunning letters (both by mail and... email?!). It's beyond my state's SOL at this point anyway, so I'm not terribly concerned.
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Nov 14, 2012 09:10
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I had a Discover card which I stopped paying on several years ago and has been kicked around several collection agencies. I sent the latest collection agency a letter stating I wished to settle the account and never heard back from them. Even stopped receiving collection letters from them. Haven't received collection letters from any new collection agencies either. So I finally just disputed the debt. It took a long while but now it shows up on my credit report as disputed and my score went from 576 to 590. Right before this happened I applied for an auto loan. They turned me down citing the Discover card debt on my credit report. I have plenty of income to cover the auto loan but I obviously can't pay off the debt if they don't contact me. Now that the account is disputed could that change how lenders see me? Is there anything I can do to get it removed from my credit report altogether?
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Nov 19, 2012 22:42
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casa de mi padre posted:I had a Discover card which I stopped paying on several years ago and has been kicked around several collection agencies. I sent the latest collection agency a letter stating I wished to settle the account and never heard back from them. Even stopped receiving collection letters from them. Haven't received collection letters from any new collection agencies either. Disputing an account in-and-of itself won't lower your credit scores. Applying for new accounts, however, adds an inquiry that CAN lower your credit scores. If you have more than two or three inquiries per year it will lower your scores. Applying for auto loans is the worst of the bunch because they often times "shop" around your credit to several lending companies which means applying once for an auto loan can generate multiple inquiries. You've already started disputing, so just keep at it. The holidays are the best time to dispute poo poo because after you send the disputes to the credit bureau they kick them down to the creditors, who only have 10 calendar days to report back with their findings, if they are off on vacation for some of those 10 days then your chances of them failing to verify rise accordingly. Remember that you need to wait 30 days between disputing. Anyway 575 is a bit low to get approved for an auto loan so you'll need to get your scores up before you apply again, otherwise you'll just generate more inquiries. You'll want to get the collections off for sure. Also look at the balances on your revolving accounts (credit cards, department store charge cards). Your balances need to be below 50% of their total limit. So, if your credit card has a $1000 limit, you need to keep it below $500 or else your credit scores will suffer.
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Nov 20, 2012 03:04
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deptstoremook posted:Wonderful thread, CubsWoo, you're really providing a great resource for all of us. I'm using your advice to deal with some debts accumulated as a result of a hosed up family situation I left a few years ago. I sent a certified debt verification/cease and desist letter to the one debt collector who has been calling me. They had my old address(es), but I included my new one. Again, thanks for your all's help earlier this year. I've now found myself in a much better financial situation and I'm interested in some advice of a different kind. As I mention in my post above, my debts are very dispersed, most of them are not for things I purchased, and I have (as best I can tell from the report) $2,000 - $3,000 in stated delinquency. I have maybe 8 creditors between 2004-2009. My main priority now is to get these debts deleted from my credit report--something that I have the financial means to do. However, something still feels wrong about contacting these creditors out of the blue to negotiate down the debt. I was wondering about two options, which were (A) to seek legal counsel, or (B) to use debt consolidation to simplify and ideally reduce the total amount owed. I hesitate about the lawyer because I don't know how much that would cost, and the debt consolidation usually seems scammy (though my idea was to get it consolidated and pay it off immediately) and preys on poor people. Basically my motive now is to have these debts deleted off my credit report with the least effort and cost on my part. Contesting debts is fine but it's a lengthy and uncertain process that's not best for me at the moment. I have the means to pay the full amount up front any time. Should I contact the creditors (they're on my report) and negotiate down/for a Pay For Delete, as described in the OP, or is there a better plan?
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Dec 2, 2012 19:26
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Has anyone been successful paying off a CC balance for less than what is due for an account not in collections? Like if my balance with Whatever Card is $6000 and not in collections, can I offer them $2000 to close out the debt and close the account?
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Dec 13, 2012 17:28
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euphronius posted:Has anyone been successful paying off a CC balance for less than what is due for an account not in collections? It's possible but she'll need to stop paying for a few months. If there has been a "major life event" they'll sometimes close the account and lower the interest rate.
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Dec 14, 2012 04:27
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Cross posting from: http://forums.somethingawful.com/showthread.php?threadid=3256838&pagenumber=122 Hey so my wife and I are working with a collection company that T-Mobile sent us to when we closed our account, which is ridiculous because we were supposed to setup a payment plan directly to them. I negotiated them down to 60% which I still feel was a bit high (on a $1472.93 debt), but I wanted them to do pay for delete and payments, so I was willing to work with them too. When we agreed on a payment plan ($200 a month), he told me pay for delete is illegal, and he was completely unwilling to work with me on this. How should I proceed? We don't want this on my wife's credit because we cancelled our cell phone account legitimately, and never got close to defaulting; we just didn't want to pay a ridiculous monthly fee for smart phones. Our balance was even up to date, and T-Mobile mentioned that our final debt would be $500.00 which we would be OK with.
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Dec 16, 2012 00:34
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Knyteguy posted:Cross posting from: http://forums.somethingawful.com/showthread.php?threadid=3256838&pagenumber=122 Pay for delete is definitely not illegal. If you're not getting your collection off your credit report then paying it off is pointless. Don't let the collection guys push you around. Tell him if you're not getting a pay for delete then the deal is off.
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Dec 16, 2012 03:00
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Flippycunt posted:Pay for delete is definitely not illegal. If you're not getting your collection off your credit report then paying it off is pointless. Don't let the collection guys push you around. Tell him if you're not getting a pay for delete then the deal is off. Alright I didn't think so thanks. He asked me though "why would I deny you the pay for delete if it would make my life easier to just say yes right now?" I didn't have an answer for that... why would they care if it's pay for delete or not?
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Dec 16, 2012 06:42
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Knyteguy posted:Alright I didn't think so thanks. He asked me though "why would I deny you the pay for delete if it would make my life easier to just say yes right now?" I didn't have an answer for that... why would they care if it's pay for delete or not? Who knows. Could be a number of reasons. Maybe he's lazy and doesn't want to deal with the extra paperwork. Maybe he's working for some scumbag collection company that isn't completely on the up-and-up. Maybe the item isn't actually reporting on your credit report at all. At any rate, if they won't give you a deletion letter paying it off won't help you much. You'll just have a paid collection which is just as damaging to your credit score. Eventually they will sell the debt to another company who may or may not be more accommodating. Usually the older the debt is the more desperate the collectors are to settle it.
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Dec 16, 2012 07:30
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I've heard PFD can be against the TOS of some companies or banks, meaning those agencies are reluctant to do that sort of thing if it will make their other clients mad at them. I think it's because they fear it makes reporting unreliable.
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Dec 16, 2012 22:15
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Hey flippycunt are you an attorney or certified debt counselor?
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Dec 17, 2012 02:12
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DarkHorse posted:I've heard PFD can be against the TOS of some companies or banks, meaning those agencies are reluctant to do that sort of thing if it will make their other clients mad at them. I think it's because they fear it makes reporting unreliable. Well, it does make reporting unreliable if collections are erased. If you want a pay for delete and you acknowledge the debt is yours and accurate, you can make things very difficult if you're dealing with an honest company. The best way to get a pay for delete is to dispute that the debt is yours but offer to settle the debt if they agree to stop reporting it.
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Dec 17, 2012 17:09
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NancyPants posted:Hey flippycunt are you an attorney or certified debt counselor? I work for a credit repair company.
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Dec 17, 2012 17:30
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Flippycunt posted:I work for a credit repair company. You just advised someone to stop paying a debt that is certainly high enough for the creditor to sue over (and win).
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Dec 17, 2012 19:26
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NancyPants posted:You just advised someone to stop paying a debt that is certainly high enough for the creditor to sue over (and win). The only thing I advised him to do is to not pay off a collection without getting a deletion letter because it will not help his credit score. The debt has already been sold to a collection company, so being sued by the original creditor is unlikely. Baquerd is correct in that his options for getting the collection off his credit report are to either dispute until its removed, or dispute it until they agree to a pay for delete letter. edit: or wait 7 years Class Warcraft fucked around with this message at 20:34 on Dec 17, 2012 |
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Dec 17, 2012 20:28
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Yes, waiting out the SOL or negotiating PFD is the only effective way to get it off his report, but that ignores the non-zero chance of being sued for the debt if he stops playing ball. The OC is not the only party who can sue over it. E: besides, it's possible the collector doesn't own the debt anyway. T-Mobile may still own it and might continue to shop it around to different collection companies until they get the money. BonerGhost fucked around with this message at 22:13 on Dec 17, 2012 |
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Dec 17, 2012 22:07
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NancyPants posted:Yes, waiting out the SOL or negotiating PFD is the only effective way to get it off his report, but that ignores the non-zero chance of being sued for the debt if he stops playing ball. The OC is not the only party who can sue over it. It's impossible to say for sure what the situation is without knowing how it appears on the dude's credit report, but if its reporting as a collection by a separate agency then the debt has indeed been sold to another company. My experience lies with credit scores and credit reporting, so I will admit that it may be within the realm of possibility that he could be taken to court. That being said, the chances a collection company, having already paid for the debt, would be willing to shell out more money go to court over a $1400 phone bill must be astronomically low. In my years of doing this, what I have seen almost always happen is the collection company will either cave and offer a settlement, or sell the debt to a different company after unsuccessfully trying to collect for a few months or a year. Disputing an account is absolutely an effective way to remove a collection from a credit report. Oftentimes the information passed on to these collection companies is so incomplete and so full of errors that they are unable (or can't be bothered) to complete the paperwork required to confirm the debt is owned by the person in question. So what is your suggestion, that if the collection company will not grace him with a pay for delete letter that he just give in and pay the collection? Then live with a paid collection damaging his credit score for 7 years, possibly ruining his chances of owning a home or buying a car in the foreseeable future? It's my opinion that far too many people are bullied or intimidated into accepting extremely unfavorable arrangements with collection agencies because they are either unaware of, or scared of exercising their rights to stand up to them. If you pay off a collection, you ought to be able to expunge it from your credit report, not wear it as an albatross around your neck for years afterwards. And if they won't agree to those conditions then you have every legal right to dispute the item and force them to prove the item belongs to you.
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Dec 17, 2012 22:56
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I dont know if this is the right thread to ask this in but it seems the most appropriate. I may be slightly off on some of these dates but bear with me. My friend got pneumonia over the summer and went to a national "doc in a box" chain where she got xrays and a prescription for antibiotics. She paid her copay and went on her way. This was around 7/23. On 11/28, she got a call from a collection agency demanding payment of $52 in overdue balance plus $40 collection fee. She panicked and paid it, but asked why she had never gotten a bill, the collector told her several had been sent to her parents address. She immediately called her mother who told her several envelopes had come to the house and she had recently opened one, seen that it was a final notice, and paid it, albeit past the due date. She(the mother) checked her bank account and saw that the check she wrote had cleared on 11/19, 9 days before the collection call. I told her to call the collector back and cancel the payment, which she did, but the agent told her that even if the doctors office rescinded the debt, she would still be responsible for the $40 collection fee. I told her to call the doctors office and demand to know why after the payment was received, albeit late, they were selling her account to collections. I wasnt present for that call or any since then, but she has spoken to the billing department several times and been called by collections several times since then. Today she received a letter from the collection agency demanding the $92 payment, so she again called the billing department. They refused to give a straight answer, claimed the payment wasnt received until 12/13, and when she asked how it cleared the bank account on 11/19 if they didnt get it until then, she got only silence. The billing agent conferenced in a representative from the collection agency and they basically ganged up on her, but eventually admitted that the debt had been paid. She asked if she would be getting anymore calls from the collection agency and there was a long pause, followed by one of the voices saying that they would still try to collect their fee. What are her options here? She is most concerned with keeping this off her credit report.
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Dec 18, 2012 04:40
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There is a remedy described in the fcra and/or fdca whereby a debt collector may be fined if they continue to report or attempt to collect a debt they know to be invalid. There is a big difference between saying "this is what I did and it worked for me" vs. "Here is what you should do." The second is more for people who may practice law or administer debt relief. If someone advises you, it doesn't seem fair for them to have no liability if it goes wrong.
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Dec 18, 2012 08:45
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So I've been being bugged by a hospital for a trip to the ER a few months pack when I had insurance (just getting the insurance info itself was a loving pain), and it wasn't until months later when I didn't have insurance they sent me a bill for money I don't have. Money even if I sold everything I have I would not have. I didn't go to the ER of my own volition, someone called on my behalf meddling into my business (Don't ask). While there, I refused service, but the doctors basically told me "deal with it". I told the hospital what I've said here and I've tried to obtain info for the insurance but either she isn't around to respond to my call and never gets back to me even when I leave contact info, or I give her some info and she's like "no that's not it, there's no record of you having insurance with them" (apparently it was the wrong provider, it's really confusing) She's sent me letters to me, but the last name is spelled wrong. I've been getting calls from something called "Partners" but I don't pick up or respond. Now apparently I had a thing in the mail that was certified and needed to be signed for, what do I do? I literally can't pay, how do I tell them to gently caress off or something? GreenBuckanneer fucked around with this message at 19:14 on Jan 2, 2013 |
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Jan 2, 2013 19:11
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Thanks to this thread and further reading on Credit boards I was successful in getting a negative tradeline removed from all 3 credit bureaus. All it took was one debt validation letter. The other two companies I sent letters to last month ignored me but a second round of letters, this time citing Texas state laws, was sent out today.
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Jan 2, 2013 22:33
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I've got a minor issue. Way back in the day I lived with a girlfriend, and water/garbage was billed through the building. We split up/moved out, and did not pay the final bill (it came 2 weeks after move out) and was usually about $20. So ~30 months later she got a collections notice (at her new address) in both our names and then paid it. It was for $78. It's the only negative thing on my credit, a paid $78 notice. I wasn't down with this whole credit report thing at the time, and I noticed a couple years ago. I disputed it but it did not get dropped off. Is there anyway to get this thing off my credit report? The original debt was from 2007, but didn't get posted/paid/updated until 2010.
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Jan 3, 2013 03:02
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GreenBuckanneer posted:So I've been being bugged by a hospital for a trip to the ER a few months pack when I had insurance (just getting the insurance info itself was a loving pain), and it wasn't until months later when I didn't have insurance they sent me a bill for money I don't have. Money even if I sold everything I have I would not have. I didn't go to the ER of my own volition, someone called on my behalf meddling into my business (Don't ask). While there, I refused service, but the doctors basically told me "deal with it". I told the hospital what I've said here and I've tried to obtain info for the insurance but either she isn't around to respond to my call and never gets back to me even when I leave contact info, or I give her some info and she's like "no that's not it, there's no record of you having insurance with them" (apparently it was the wrong provider, it's really confusing) If you continue to ignore it, eventually they will sue you, secure a judgement, and garnish wages/bank accounts until it's paid off with interest. You need to figure out the insurance and find the provider and work with them. Hopefully you're not out of some sort of claims window by now. Failing that, try to work out a payment plan or consider bankruptcy.
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Jan 3, 2013 06:34
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I might have missed it, was there an any point a step by step guide to the process? I don't see mention of one in the op and credit boards is kinda inscrutable. I understand that each case would vary widely but I am having trouble warping my brain around the transition from missed a payment to reduced payment with delete.
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Jan 4, 2013 19:56
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baquerd posted:If you continue to ignore it, eventually they will sue you, secure a judgement, and garnish wages/bank accounts until it's paid off with interest. You need to figure out the insurance and find the provider and work with them. Hopefully you're not out of some sort of claims window by now. Failing that, try to work out a payment plan or consider bankruptcy. They want like, 4000~ or so, and I don't even have a fourth of that. at most I'd be willing to pay 10% at like $20 a month, I could afford that. I can't apply for bankruptcy, and my family can't help me out because my dad already had to apply for bankruptcy because of my mother's medical care. I wish they'd just eat the bill, I never asked to be there, I never asked for their help. And now I have this on my back...
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Jan 5, 2013 03:28
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I just read the OP, and my question is this: so all I have to do is rack up a ton of debt, never pay it back, and become rich that way by just showing up to court when they summon me?! This has scam written all over it. You work for a collection agency, don't you? (USER WAS PUT ON PROBATION FOR THIS POST)
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Jan 9, 2013 22:56
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It's not quite that simple, but yes sometimes collectors will drop a suit if you show up to court. Why waste time fighting one person when you can be getting judgments against the other 99 who didn't show? Also keep in mind CubsWoo's post was originally written in 2009 and the landscape has changed somewhat since he/she/it first got into debt.
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Jan 9, 2013 23:53
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Ableist Kinkshamer posted:I just read the OP, and my question is this: so all I have to do is rack up a ton of debt, never pay it back, and become rich that way by just showing up to court when they summon me?! This has scam written all over it. You work for a collection agency, don't you? This is partly why student loans are non-dischargable and simultaneously very easy to get. If you could get rid of them while they remained as easy to get as they are, it would make far too much sense to just declare bankruptcy as the final payment came in.
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Jan 10, 2013 03:53
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GreenBuckanneer posted:So I've been being bugged by a hospital for a trip to the ER a few months pack when I had insurance (just getting the insurance info itself was a loving pain), and it wasn't until months later when I didn't have insurance they sent me a bill for money I don't have. What insurance and how many months back? Depending on what you're covered under, the timely filing period might already be up, making you responsible for the charged amount. quote:I told the hospital what I've said here and I've tried to obtain info for the insurance but either she isn't around to respond to my call and never gets back to me even when I leave contact info, or I give her some info and she's like "no that's not it, there's no record of you having insurance with them" (apparently it was the wrong provider, it's really confusing) Who is she? You're being vague. How could you not know the name of the provider? Unless, this is either EPB or HCA billing for the physician at the time of service, then the name itself might not be the same as the hospital. quote:She's sent me letters to me, but the last name is spelled wrong. I've been getting calls from something called "Partners" but I don't pick up or respond. Now apparently I had a thing in the mail that was certified and needed to be signed for, what do I do? I literally can't pay, how do I tell them to gently caress off or something? You need to clarify what you're talking about. Without details, this post is a jumbled mess.
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Jan 11, 2013 06:53
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Holy Wars Fistula posted:What insurance and how many months back? Depending on what you're covered under, the timely filing period might already be up, making you responsible for the charged amount. It was back in july, I denied service and told them I wanted to go home. They refused and said I had to stay the night regardless. I had insurance at the time, but the insurance coverage ending at the end of august. I've never been at the hospital ever before and certainly not the ER, so I was ignorant that they'd actually give me a bill, as they didn't give me a bill when I left I figured there wasn't. And there was no information for me until three months later when they sent me a bill. Additionally previous information handed to them concerning insurance, they said was wrong, though I noticed they spelled my last name wrong on bills sent to me, so I don't know if that factored into them not being able to find information.
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Jan 11, 2013 09:49
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A collection agency contacted me via phone after they received my debt verification letter 7 days ago that included specific instructions that all phone calls were inconvenient and I would only discuss it in writing. This is textbook violation of the FDCPA Section 809 Validation of Debts [15 USC 1692g], correct?
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Jan 11, 2013 17:29
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| # ? May 20, 2024 23:56 |
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Skipped out on a lease over a month ago. Landlord threatened to "take me to collections". How long would it actually take to get a collection agency after me? Do they call and badger, or does the amount owed just go straight to your credit history? How would I know if he did anything at all about it?
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Jan 11, 2013 23:09
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