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Got a BS traffic ticket while driving across the country about 5 years ago and spoke with the court who told me they'd take care of it and call me back. Lost all the information in a house fire and forgot about it completely. Just received a letter asking for me to pay ~$250. Called the collection agency and explained the situation and offered $120. Guy wouldn't take it but said they could set me up to pay the full amount back at $20 a month. I asked about a pay by deletion and he asked me what that was. I got his name and hung up. Right now I'm interning and not making a lot of money; what options do I have?
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Feb 19, 2010 22:45
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| # ¿ May 1, 2024 08:22 |
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Thanks, Knightmare. I recall the ticket would have been for a specific amount so when I inquired on the phone how they came up with the total he informed me that they added $49 fee to the original amount. Seems pretty legit. I last checked my credit in December and don't think it was on there at that time. I'll most likely suck it up and pay the amount in total but drat if it doesn't piss me off (I was actually shooting a documentary at the time and had video footage proving that I was not speeding, spoke with the court multiple times about sending the video in as evidence but they stopped returning my calls and a house fire destroyed my notes and the tape 2 years ago).
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Feb 20, 2010 01:49
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Knightmare posted:I'm not 100% on this but if it's really not on your credit report and you pay them, there might be a chance it gets "updated" to your credit that you had an outstanding debt that you did settle, but would possibly drop your score a bit. Send a debt validation letter, and if they actually can prove the debt is yours then offer $40 for a pay-for-delete. That way it won't show up on your credit, and if it's truly not on your credit as of this moment it might just be best to let it slip by the statute of limitations if it hasn't already. I will definitely send a debt validation letter to be certain it's legit (which it likely is) but the statute of limitations for traffic tickets only applies to the time period it takes the officer to file the charges. After they've been filed that ticket's there for good so waiting it out after receiving verification that the company bought purchased the debt would only cause more problems. Thanks again for the advice.
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Feb 22, 2010 20:56
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