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collections after being only 7 days late?

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josephbelles



Joined: 02 Oct 2008
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Posts: 1



39 Magic Points

Subject: collections after being only 7 days late?
 
Posted on Thu Oct 02, 2008 6:05 am  

I have a credit card and my payment was due on the 22nd of this month. I contacted the credit card company to tell them I was sending a payment this week, but they told me my account was already turned over to collections. This is a new account, only about 3 months old but I have always been on time with my payments. Can they send this account to collections already? Also, I have signed up for that employment protections on my account. Basically if I loose my job, they will make the payments on the card for me! And that is exactly what happened. I got laid off for a week, and kinda screwed my budget up this month!! This card is designed to establish credit, because I didn't have any credit before! So far my credit score is a 518. I thought that your credit card account had to be severely past due ( maybe 3 or 4 months) before they can actually turn it over to collection?
Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on Thu Oct 02, 2008 10:03 am  

Yes, the creditor can always send a debt a collection agency if they want to. However, they cannot report a debt to the credit bureaus before 6 months from the date you made the last payment. Now since the credit card company has already sold off your debt to the CA only recently, you will not find the name of the CA against any debt listing in your credit report. All you need to do now is to get the name of the CA to whom the debt has been sold off, in writing from the credit card company and pay them off.
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Justin
Mary

Mary

Joined: 06 Jul 2006
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17426 Magic Points

 
Posted on Thu Oct 02, 2008 10:13 am  

As far as I know, if the debt is sold off to the collection agency by the credit card company, the CA will contact you either by giving you a call or by sending a mail that they owe the debt. However, in either case, they will send you a debt validation notice by certified mail to inform you about your right to validate the debt. You need to ask for debt validation within 30 days from the date of receipt of the debt validation notice else the debt will be considered as valid. If they validate the debt within 30 days of receipt of your letter, you can pay them off, else they may report the debt to the credit bureaus who in turn will list it in your credit report.
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fireyone



Joined: 26 Feb 2008
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128 Magic Points

 
Posted on Thu Oct 02, 2008 10:57 pm  

Kind of a shame for all the later the debt payment was that they could not have worked with you on this matter. I have ran into times when I had to wait a few days to pay a bill. I find that using a line like "can you tell me if my bill was mailed because I haven't gotten it and I know it is usually in the mail by now?" Then they will give you the address to send a payment and not charge late fees. I never do it often. I just had a week where my hubby had a few days off due to illness and needed to wait until next pay. Tyr this next time you know you are only going to be a little late.
goodnatured



Joined: 03 Nov 2007
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512 Magic Points

 
Posted on Sat Oct 04, 2008 1:53 am  

good one fireyone
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



128 Magic Points

 
Posted on Sun Oct 05, 2008 12:46 am  

It sure keeps the hassle from the collectors or dealing with what the poster has dealt with. Plus look I just saved late paymnet fees....Can't pull it all teh time but if you only slip here and there it can be a real life saver.
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