Dealing with Abusive Collection Agencies - Need help on how to proceed with a CA

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Need help on how to proceed with a CA

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Forum Name: Dealing with Abusive Collection Agencies
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Topic: Need help on how to proceed with a CA

Posted By: korok15
Subject: Need help on how to proceed with a CA
Date Posted: 21/May/2009 at 1:55pm

I owed a collection agency 1,400$ and I sent two check of 300$ for the month of April and May. I received a call from the agency saying that I have to make another payment before the end of the month because their "client" needs another payment to keep the "file" open for the month of June. I was planning on continuing to send monthly payments of 300$ until it's all done, but now they're trying to make me pay money I just can't afford right now.

If I just send them four more checks, one for each month, do they have to cash them and accept my proposal? It's not like I'm not being compliant, they've agreed to both payments I've made up until now and either check has bounced.

I just don't understand why they're trying to make me pay more when I told them I can't do it. They even told me to try and pay it with me credit card, borrow money from a bank or a friend. Obviously I'm not going to do that because that would be even more trouble.

What should and can I do?

Replies:

Posted By: administrator
Date Posted: 24/May/2009 at 6:30am

They are trying to get another payment out of you so they can get more commission.

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Administrator
Mark OMeara
Author of Let Go and Heal: Recovery from Emotional Pain
https://LaughSingWrite.com - http://bit.ly/heal2024

Posted By: korok15
Date Posted: 24/May/2009 at 9:49am

So basically, if I sent them a letter along with 3 checks for the 3 next months, they should accept the checks and stop harrassing me to make sooner payments? I clearly indicated to them that the $300 a month I've been paying them for the past 2 months is already killing me and the checks I sent them were the best I can do (this is actually true).

I talked to the guy from the CA Friday and I already told him I would not make the next payment for the end of the month. He told me to find a way to get the money and that I had until Tuesday night to call him. What should I say to him on the phone that he doesn't already know? If I just say something along the line of "I just sent you the 3 checks for what I can pay and that's the best I can do, please stop asking me" would that seem acceptable?

At the very worst, what can the CA do? Could they sue me over this? Could they send my file to another CA? Are they going to take money from my pay? I'm going crazy over this and the thing is, I WANT to pay because I know I owe the money, I just can't make another payment right now.

Also, thanks for the reply and sorry for the multiple questions. this situation is really stressing me out and I'm actually having trouble sleeping at night and doing normal stuff, I just think about this all the time.