I have the problem with my old apartment, and now they told me they put it into the collection, and I dont knw how to fix it, so I really need the advices....
It happended to me about 3 years ago, my sister took over it, and she moved out without the notice. When I knew that, I called in and asked them how much I have to paid for the penalty, and I gave them $1200 alredy. And after that I called in and maked sure that Im not own them anything, and they said yes....BUT 2 years later, they called me, and they said I owned them $6000.....I did asked them where my $1200, they said it just for the interest....and now it affects to my credit.....I really dnt knw what I have to do....
Anybody know how to fix it, please help me!!!!
Sandy Willson Guest
Subject: how to fix the apart collection????
Thu Jun 30, 2011 6:29 am
At first, you need to check whether or not the SOL period in your state has expired. If it has expired, then the CA has no right to take any legal action against you. You can contact with the CA and negotiate with them. You can arrange a better repayment plan with them to settle the debt. You can request the CA to update your account status as “Paid-as-settled” after repaying the debt. You can also contact with an experienced lawyer regarding this matter.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.