state of oregon laws?

Question

I am trying to pay a collection agency a debt and they will not accept a payment without disclosing my place of work.I know this agency when they receive this info they will charge me more money to garnish my wages.I could have paid them by now.is there some way i can get them to accept a mutual paymet?

Answer 1

Bypass the collection agency and pay the original lender the money you owe. Keep all receipts and proof of certified mail or mail delivery.

Answer 2

Instead of a payment......offer them a settlement amount.....and that's it.....otherwise since your debt is already shot.......ignore them for the next 4-6 yrs.......It's amazing what collection agencies can get away with......I've also heard that you are within your rights to deal with the ORIGINAL creditor only....I don't know how that works, but maybe you could google it and see.

I would start sending in payments.....send them certified mail and with each pymt.....send a letter .....do it again each and every month.....that way when they try to garnish your accounts you have evidence that you worked in good faith to settle your debt responsibly.......also DON"T pay them w/ a personal check.....use a money order or bank money order.....just in case.

Your monthly letter should include....."as you didn't accept last month's payment in the amount of XXXX, I have included that amount plus this month's amount for a total of $XXXX.....or if they did cash it......as you DID accept last month's pymt of X,......

I encourage you to reiterate everything each month.....the total debt, how much they have/have not accepted from you. DO NOT CAVE, DO NOT GIVE THEM ANYTHING BUT MONEY