My husband is making payments on this bill but we dont trust the debt collector. He only fell behind because my husband lost his job when he became ill and had to be hospitalized. It was over a year before he became well enough to work again. It was turned over to a collection agency and even though we have been making monthly payments they refuse to issue a receipt. I have a my own records of these transactions but I do not trust them at all! One thousand dollars is all we have left to pay on this note and we will be through if they let us continue to pay monthly. I dont know if they will.
2006-08-25 11:44:38 · 11 answers · asked by Marie 7 in Business & Finance ➔ Credit
I've been through this, you are throwing money away ! You need to take these people to court. Have some good records, the judge will side with you I bet if you put on a good case in small claims court. Serve them with a Complaint asking to examine all records. Supeona.
The judge will set a prelim hearing to try to resolve and require you to be able to view the records, bring your receipts.
I. E. you take their *** to court ! You are the plaintiff in the action. WORST thing that will happen, judge will have you pay the debt off on a schedule convenient for you ! Ask for no interest on the balance. Judge will side with you ! You pay and get off his / her docket is what it is all about !
2006-08-25 12:02:26 · answer #1 · answered by The Advocate 4 · 0⤊ 1⤋
I've been a debt collector for many years and i am amazed at how the collection industry is viewed by the general public. Let me share a few things with you people. First, the majority of agencies out there do not buy debt(and when they do, it is really old debt), they get a percentage of what they collect, which is why they are so aggressive. Second, they dont even get paid up front. They have to submit your payment to thier client and then they get thier cut a month later. Third, it isnt customer service. If you wanted to be treated nice or get reciepts, you should have paid the bill on time and kept it with the original creditor, collection agencies arent obligated to do either of those things(although, depending on how you treat the collector, you might be able to get one). Bill collectors arent bad people but most of the people they deal with are deadbeat idiots and that tends to have an effect on thier attitudes. The people in my office treat people the same way they treat us, if they are nice..so are we. If they are mean, we dont help them one bit and we will make things as hard as possible for them. Be honest with them and if they dont have to work to get your money they will be civil to you. A bill collector will only sue you if they feel they will get more money that way(liens, garnishments, etc.) or if you have the means to pay and just refuse to(we all know people like that). If you have any more questions about collectors, post them and i will do my best to answer them. BTW, anyone ever wonder how credit counseling places make their money, they get your creditor to donate a portion of your payment to them. Most of those agencies are not helpful at all and it will take you much longer to pay your debts off that way. Pay the agencies or the original creditor and you will be fine, just be an adult about it and everyone will treat you as such. Ignoring phone calls and letters is the quickest way to get sued. If you really dont trust the bill collector, call the original client and make sure they are getting their payments. Tell them you dont trust the bill collector, the last thing an agency wants is to lose a client.
2006-08-25 19:22:15 · answer #2 · answered by phil.dees 1 · 1⤊ 1⤋
Call the original lender!!!!! Hurry and make sure they sent them the payments. If the collection agency did not send in any payments to the original lender... SUE the collection agency for every penny you sent them..they are cheating you.. the first consultation with a lawyer is almost always free. NEVER EVERY send a payment to a collection agency.. only to the original lender. If the lender sold your debt to a collection agency you owe the agency nothing because you debt is non-transferable!!!
Don't let them scare you fight back,believe it or not the law is on your side.....good kuck..P.S. never take advise from a collector!!!!
2006-08-26 04:45:52 · answer #3 · answered by Mr.Morgan 4 · 0⤊ 0⤋
phil.dees has the best answer I have ever seen in this category. I work at a bank and consider myself well informed on the subject. I learned some things from his answer.
To answer your question, anyone can sue you for anything. if you are making regular payments and there is no reason to believe you could pay more, there is little reason for the collection agency to spend the money to take you to court.
2006-08-25 19:51:11 · answer #4 · answered by STEVEN F 7 · 0⤊ 0⤋
Depends on the agency. Some larger places will have a high write off amount, where something $1,000 or less is nothing to them and they won't waste time. Most places, however, will bother even for $100! Just make sure you are keeping track of everything you can on your end.
2006-08-25 20:18:09 · answer #5 · answered by ShouldBeWorking 6 · 0⤊ 0⤋
In my experience, as long as a payment is going to them, you are meeting your commitments to repay. You might want to check the fine print in the contract and see if they can call in this debt at any time for any reason. You are wise to keep check of your payments because if this does goes to small claims court, you have proof that you are being responsible and have been over time.
2006-08-25 18:52:41 · answer #6 · answered by Kay 5 · 0⤊ 0⤋
Collection agencys are blood suckers. I've never paid one. The original debtor sold your bill to them for 10 to 25 cents on the dollar. If they will do that for them, why won't they do it for us ? If the debt is unsecured and out of state there is little they can do, but if its local and in state. they might take you to court....Lotsa Luck !
2006-08-25 18:52:30 · answer #7 · answered by Gizmo 4 · 0⤊ 0⤋
If it has been forwarded to a collection agency maybe.
If it is from some company they may declare noncollectable debt. If you don't pay for a long time, And not bother you.
2006-08-25 20:09:32 · answer #8 · answered by position28 4 · 0⤊ 0⤋
you are giving them money and not getting a receipt? Make duplicates of your receipts and keep them seperate.
Talk to someone at the legal aid society you may have to go to court to get this settled.
2006-08-25 18:51:11 · answer #9 · answered by Anonymous · 0⤊ 0⤋
It could be a penny and they will make you pay and it will go on you credit score as not paid so just pay it.
2006-08-25 18:53:04 · answer #10 · answered by lex83201 3 · 0⤊ 2⤋