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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 582
11 Magic Points
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Wed Mar 19, 2008 5:19 am
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| Thanks morningstar that makes me feel so much better. You don't know how much sleep I have lost over this. I thought about sending a cease and desist but figure if I do they would sell it and the next CA would just start calling relatives again. My family can be pretty uppity at times and it makes me feel like crap when they say "a collection agency called". |
While it is a personal choice as to whether or not to pay cash, there is still a cost (as in your situation) associated with not paying financially. Instead of a full cease and desist letter, you could demand that the CA not call anyone at all, yet still permit communication through the mail--be sure to make the agency aware that you know that the SOL has expired. As an aside, I'm pretty certain that contacting a third party after contact has been made with the debtor is a violation of the FDCPA. You may want to consider looking for an attorney.
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I don't dream since I quit sleeping |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1334
35466 Magic Points
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Wed Mar 19, 2008 10:23 am
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Partially correct. They can call up the debtor directly in case he does not have a legal rep to face the CA.
Again they cannot ask anything more than your contact details from your relatives. That would be violation of FDCPA.
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Regards,
Laura. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Wed Mar 19, 2008 3:19 pm
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| Again..they do call and send me mail directly but they also call others too. I am hoping to get on my feet sometime this year and would actually like to be rid of this whole situation. I thought about once I had enough saved contacting them and seeing if they will reduce the debt. This card was taken out when we were going back and forth to the hospitol for cancer treatments. It was primarily used for gas. It was originally only a $300 card..now it is in excess of $1600. Mostly they refuse to lower it much at all. They send letter occasionally wanting $1100 but it makes me angry cause of how much they added. I tried to take care of it back in the day but it just kept getting worse and I couldn't make payment arrangements without all those over the limit fees they kept putting on. What threw the card over to begin with was the opening fee that I was told was a one time thing and it wasn't. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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Sun Mar 23, 2008 12:42 am
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I know what you mean fireyone, I can tell you that once you are ready to settle these debts they will come down considerably, most of the charges will be let go, you can estimate that they will go about 60 percent of the debt, but in your case it may be less because it has been so long and they have not been successful in their attempts to collect the debt. Hopefully you will get on your feet soon and be able to take care of all this so that you don't have to deal with it anymore. goodluck
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa |
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fireyone
Joined: 26 Feb 2008
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Posts: 4285
127 Magic Points
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Mon Mar 24, 2008 2:23 am
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| I also hope they take alot off. Especially with how much of it is actually dumb fees. I will get rid of this headache but i learned to read alot more into the fine print. When you say they will go about 60 percent how is it your figuring? Will I have to pay the 60 or the 40 %. It really sucks when I only actually used the first $200.OOPs $201 because they charges me $99 to open the account (the supposedlt one time fee). |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Wed Mar 26, 2008 12:23 am
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| Kind of like a car insurance settlement or even buying a car. I can do this. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: cr
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Wed Mar 26, 2008 10:31 pm
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| GOODNATURED..that's what I did, on an outstanding debts. Knowing the SOL hadn't passed yet, I made payment arrangements with them. I told THEM what I could afford, per month. After them telling me they "would not accept anything under a certain amount," well..I just told them, "well I'm sorry we can't do business together," LOL FINALLY..they accepted what I COULD afford. Took me 'forever' to pay it off..but, I finally did. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4285
127 Magic Points
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Wed Mar 26, 2008 10:40 pm
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| Congrats sdchargers. That is a major problem with these collection agencies. They expect huge monthly payments that people can't afford. I think if they would understand it was the money situation that got the person in this situation and they would lower their demands more people would be willing to pay up. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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Fri Mar 28, 2008 12:35 am
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That is great that you got it paid off though sdchargers, you can only pay what you can pay, they make me laugh when they say don't you have anyone that you can borrow the money off of, Yeah Right, I have all kinds of friends with thousands laying around collecting dust, get real.
they will usually give in fireyone, sometimes they will play good cop/bad cop with you, one will call and be a jerk and the next will call and be really apologetic about the jerk, I think it is some kind of psychological torture that they are taught or something.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Sat Mar 29, 2008 1:22 pm
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| Well they are still annoying. I am almost 100% positive that mine is past SOL and I'm boggled in money woes so I don't need another wolf to feed right now. Does anyone have unknown callers that list there number as 000-000-0000? I am wondring if this is that old bill collector. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
10 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Tue Apr 01, 2008 11:32 pm
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| SOO cool. Where could I find my self one of these handy dandy zappers? I REALLY REALLY want one. Let me know ASAP. |
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sdchargers_63
Joined: 13 Aug 2007
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Posts: 1889
1356 Magic Points
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Subject: debt
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Wed Apr 02, 2008 12:21 am
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| SOME CA's will work with YOUR circumstances. SOME just don't give a darn. I'm just at the point, when a CA says, " no...won't accept that," I say ok...thanks, and hang up. I'm NOT surprused when they ACTUALLY call back...to tell me, "they got 'special' permission to work with my circumstances." Has THIS eveer happened to anyone? What a joke this people are, at times. |
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