My boyfriend's ex girlfriend stuck him with about 15k in debt that she's refusing to pay for. Credit cards that she maxed out without his knowledge, a mattress that the took & stopped paying for, a washer and dryer that she stole out of his house, carpet that needed to be replaced because her dogs destroyed it, unpaid rent for nearly a year (we live in another state and couldn't very easily force her out of the house).
All of these things she's made previous payments on and acknowledged responsibility for, but after we kicked her out, she stopped paying on them. We're trying to avoid the inter-state court hassle. Can we send her to a collection agency?
2007-09-05 15:40:34 · 6 answers · asked by Roland'sMommy 6 in Business & Finance ➔ Credit
First you need a judgment against her. I don't know what the maximum amount for small claims court in your state is but 15k is most likely too high of an amount. That means you would have to sue her in regular civil court and that means you probably need a lawyer.
Finally, if you do get a judgment it will only be valid in your state. If she has left the state you may have no recourse at all. The way a collection agency works is this. If you have a valid court judgment against her and you have all the information regarding her identity and address etc. they buy the debt from you for usually less than half of what is owed. You take that amount and are done with the whole thing. They will attempt to collect and whatever they get they keep.
Collection agencies do not work for you. They purchase bad debts for pennies on the dollar and then haunt the debtor for all they can get.
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2007-09-05 16:04:13 · answer #1 · answered by Jacob W 7 · 1⤊ 1⤋
Hire A Collection Agency
2016-10-28 13:38:30 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You got some bad advice ahead of me friend. With the collection agencies they now own the account and will wait it out until you get a job or resolve your current situation. Then they have the right to sue. If they win and you can't pay, it is no problem for them to wait longer. They place a judgment on your credit file. This stays on your file until it is satisfied. Thinking of bankruptcy? The laws changed, you now have to make payments for five years. The courts decide how much you pay a month. Have a home? You'll never get to borrow upon the equity unless the judgment is included in the loan. The same applies in selling or buying a home. As for the rude and unprofessional collectors, I bet your a real mama's boy.
2016-03-18 00:42:53 · answer #3 · answered by Anonymous · 0⤊ 0⤋
It probably will not be worth the hassle. There is not much a collection agency can do except ask her for payment, and she already refused to pay. You have a lot different things that you add up.. Your best bet will be to take her to small claims court. If you get a judgment against her, the judgment becomes public record and will be listed on her credit report. You can then garnish her wages, attach any property she owns, or seize her bank accounts with the court's help.
Good Luck.
2007-09-05 16:56:49 · answer #4 · answered by Ti 7 · 0⤊ 0⤋
You probably can't afford to hire a collection agency to collect the money. Your best bet is to take her to court to get your money back.
When a credit card company wrote off the account. They sold the debt to collection agency with much less than the original amount the debtor owed. Collection agency then goes out and collect the money. They also have to pay for their employees salary, healthy care etc... whatever the law requires. Why would you want to hire someone to collect the money? I don't think you can afford it.
2007-09-05 15:52:14 · answer #5 · answered by Anonymous · 5⤊ 1⤋
Unless she is the creditor of record the answer is no. You could prevail in court, at which time the judge on the case could order you exempt from the debt and than the creditors owed would go after her, even to the point of hiring a collection agency. Your best move however is to distance herself from your old rival. Forget about pay back, revenge, and yes even justice. Consider this to be a lesson and move on. Do you really want to continue to have your boyfriend in contact with his ex? Consider this, they at one time had feelings for each other, and regardless of how things are now, a trip down memory lane is never out of the question when it comes to ex-lovers.
2007-09-06 01:41:51 · answer #6 · answered by espreses@sbcglobal.net 6 · 0⤊ 0⤋
Credit card agencies when find excessive default in repayments and debt burden increasing with their client, refer the matter to a credit collection agency. This agency specializes in recovering debts. The usual process is that the credit collection agency starts calling you about the debt and its recovery. Many people simply run away from such calls. But, this is certainly not the right way to tackle the situation. This article takes a look at simple steps that can save things from getting worse.
1. Don't avoid the credit collection agencies call. Respond to them and make sure they get the message that you intend to pay your debts.
2. Be polite in conversation with the credit collection agencies. Don't let things slip out of hands, and don't let them dominate things. If they abuse you tell them politely but in firm words that this is improper behavior and since you are co-operating with them in debt repayment rude things are not required.
3. Explain your situation clearly to the credit collection agency, what caused the debt, whether it was an emergency situation that took things out of hand or anything else. Tell them clearly and mention your existing financial situation. Ask them to lower interest rates, or provide all the help they can offer. Read more from: http://www.credit-card-gallery.com/article/253,Stressed_with_credit_card_collection_agency's_calls_Stop_things_from_getting_worse_with_these_5_surefire_tips
2007-09-05 23:22:28 · answer #7 · answered by alexa dion 3 · 0⤊ 2⤋