Hello! Great site, and thanks to all for the insight and info. I have a question I'd like to post and get feedback on before I proceed with NCO.
I've been making regular weekly payments ($125.00) to NCO for the last four years. No problem. Recently, the CA I've been dealing with has left, and my file has been handed off to a new CA. I didn't even realize that my CA had left until I got a call from my boss to come to the office and pick up a garnishing order that had been sent to him. No phone call to me, letter, nothing...
After review, the new CA-and the ever present "Supervisor"- has decided that my "miscellaneous" and "entertainment" expenses are too high. My financial situation hasn't changed since I initially worked out my repayment schedule four years ago-If anything, my rent went UP- so my question is this: what can they do about it? If they proceed with a garnish, they only stand to get about another $75 bucks a week from me and I get stuck with the court costs. I just want to keep things as they have been. Nothing was broken.
This has really p!$$@d me off as I've been repaying faithfully, every week for the last four years and I'm about ten months away from clearing this debt up for good according to the plan I've been following. Now they want more.
Now, if you're reading this and are saying, "So what? Suck it up. You'll finally be free of this sooner", etc. I'd just like to know what would YOU want to do? Take a deep breath, suck it up, and give one more really good bend over before they send you on your way, or go out on your own terms?
What should I do?
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