Can collection agency contact you for more money after the payment is payed off?

Question

Can collection agency contact you for more money after the payment is payed off?

I payed the delinquent sum in full on 2/14/07.

They contacted me 2/26/07 to pay daily interest charges acquired from 1/24/07 to 2/14/07. He didn't mention anything about later payment when I was paying the entire debt on 2/14/07.

What can I do?

Answer 1

You can tell them that you will only accept contacts from the collection agency by mail, that you no longer will accept them by phone. They will probably argue with you about it, but be firm. It's easier to deal with them on paper than when they're being rude to you on the phone. Just make sure you do deal with the problem. (I know you will!)

The way collection agencies work is that the original debtor gives them a percentage of money they collect. However, you don't owe the collection agency anything. You only owe the original company you had the debt with.

If you get behind in payments you may still pay them directly to the company you owe the money to, not to the collection agency if you prefer. The collection agency will say you can't do that, but you can. The agency doesn't want you to do that because they don't get a cut of any money paid directly to the company you actually owe money to.

Any interest owed would be owed to the company you originally had the debt with, not the collection agency. Find out from the company if that money is owed to them. If they say you're paid in full, you owe nothing more.

If it turns out you owe money to the original company in the form of interest charges, pay it directly to the original company, and ask the original company to verify that your bill is paid in full by sending a statement (they will probably just send you a statement the next time the monthly statements are sent out) and ask them to tell the collection agency that the bill is paid and full and collection efforts should stop.

If the collection agency refuses to stop bothering you, look up "Free Legal Advice" and find some info about how to stop them from harrassing you. They will push as hard as they are allowed to push- that's how they get their money. But a lot of the stuff they do is illegal so be aware of your rights.

Answer 2

funds to a collection employer are not at all a reliable theory. you'd be a lot extra appropriate saving up and negotiating a lump sum settlement. in the journey that they sue, they win a judgment. in many circumstances, the decide does no longer grant you with a cost plan. it really is extra likely the judgment will be used to garnish your wages, connect your monetary agency account, and lien own resources. they could garnish a max of 25% of your wages after the first $800 exempted -- some states have further obstacles. you actually do not owe sufficient to report bankrutpcy. It cost about $2K to report once you've the $2K in funds, you should likely settle the debt. by the way, in simple terms how a recommendations became that ambulance journey that it prices $4700?

Answer 3

tell him the that the payment has been payed and if they want to take you to court tell them by all means because it will be tossed from court, if he continues to phone go to the police because now it becomes harassment and they are not allowed to harass you.Document everything get names,phone numbers times when they call. They just figure they can push you into paying anything they want to,most of the laws as far as debt collectors can be found on the Internet.Stand your ground be polite about it and be ready for their rudeness,but like I said put everything in writing.

Answer 4

If there were collection fees, late fees, or legal fees assessed that you overlooked or chose not to pay, then they can continue collection procedures.