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Sun Nov 02, 2008 12:36 am

Definately the best advice here. You can not relize just how exasperating it is to dodge collectors or the worst part when they first resell the debt to a new agency and they hound you and family members for months.

fireyone

Joined: 26 Feb 2008
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Posts: 4500

8812 Magic Points

Sun Nov 02, 2008 12:40 am

Geez must have been a big brain fart..forgot to sign in. anyway that last post was me.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1498

111 Magic Points

Subject: credit

Sun Nov 02, 2008 1:17 pm

GOODNATURED.....I'm gonna go back to your comment. " pay back what you owe." I've already done that. However, the CA is telling that I have to "legally pay back all of the fees, too." I just don't think i will.

fireyone

Joined: 26 Feb 2008
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Posts: 4500

8812 Magic Points

Mon Nov 03, 2008 11:58 am

SD I am pretty sure you will have to pay back the fees. GN isn't on here alot much so maybe you should leave her a PM so she can answer this question.

goodnatured

Joined: 03 Nov 2007
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Posts: 4007

1222 Magic Points

Sat Nov 08, 2008 1:11 pm

I wouldn't and you know what if they are not cooperative they will just sell it off to another and hopefully they will be more cooperative. you know how it works sd, just give it some time. How old is the debt?
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online

fireyone

Joined: 26 Feb 2008
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Posts: 4500

8812 Magic Points

Sun Nov 09, 2008 11:09 pm

can they legally collect it?

goodnatured

Joined: 03 Nov 2007
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Posts: 4007

1222 Magic Points

Tue Nov 11, 2008 2:15 am

Well I would attempt the debt validation to see if they are legally able to collect it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online

carol

Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California

29592 Magic Points

Wed Nov 12, 2008 3:37 am

Hi Chargers
You need to pay back the entire outstanding debt including their fees because the fees also constitute a part of the debt. However, before paying off the debt if you can negotiate with the collection agency for a discount on the outstanding debt, you can avoid the fees. Most of the CAs may settle for 60 to 80% of the outstanding debt. But this negotiation should be done before you start paying them off. You should check you credit report for the outstanding amount of the debt, they have mentioned there.
_________________
Keep in touch
Carol

CadeodaKind

Joined: 24 Feb 2009
CadeodaKind's page
Posts: 1

34 Magic Points

Subject: It is for any www.creditmagic.org habitants!

Tue Feb 24, 2009 6:53 am

Here is a look the best site in 2008 for adults.
I do not know the right sort of a link and it is not clear to you at the forum how to do it.
If you are under 18 do not go to links

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