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Collection Agency problems

Date: Thu, 05/26/2005 - 19:06

Submitted by anonymous
on Thu, 05/26/2005 - 19:06

Posts: 202330 Credits: [Donate]

Total Replies: 2

Collection Agency problems


Alright... I'm having a difficult time here. As soon as I was 18, I got a credit card. Two to be exact. I had a job... then lost it. Of course, without having a job, its difficult to make payments. It's been a while, 2 years since I was out of high school. I've been in college ever since. I recently got a job, but my hours were cut to only 1-2 a week. So my paycheck ranges about 16-20 dollars every two weeks.
Here's the deal: I'm being harassed by an Agency that doesn't seem to listen to what I say. I understand that they want me to pay (I'm looking for another job), and that I haven't made a payment in a very long time. But where's the understanding and human compassion? My parents can't help and I can't do anything. They recently threatened me, telling me to get a lawyer, because they're going to recommend to their company to file suit. How am I supposed to pay a lawyer, when I can't even pay off my debts... Or buy school books. I understand that this was my mistake in the first place, but everyone needs some time and patience. I need advice, help, something and anything. What am I to do? Can I send them only a couple of dollars every month to keep them off my back? Or can they still sue me?? And if so... what then?
Thanks for your time and consideration.


Hi Ttaylor
Welcome to the forums.

By reading your post, I understand that you are going through some serious financial troubles. For this reason, you are unable to pay up your debts as well as you are unable to purchase your schoolbooks. In spite of your repeated requests to the collection agency, they have persistently resorted to unfair means to collect the debts.

Here is what you can do. You can find your solution through either of the following ways.

i) You can consult a local attorney and can sue the collection agency for violating the fdcpa guidelines. You should also book a complaint in the local police station, if the harassment continues.
Please click on the following link to view your rights as per the FDCPA guidelines.
http://www.debtconsolidationcare.com/fdcpa.html

ii) You can consult a debt consolidation company and they will negotiate with your creditors. Once you are enrolled into the program, the collection agency will stop harassing you. This service is offered free of charge by most of the debt consolidation companies.
If you wish, you can register yourself as a member of this site as well. On doing so, one of the debt consultants near your area will contact you shortly to guide you out of your debts.

Hope you will find this information useful.
Peter


lrhall41

Submitted by peter on Fri, 05/27/2005 - 03:18

( Posts: 285 | Credits: )


Hi Ttaylor

Welcome to the forums. It very sad that you are being continuously harassed by the collection agents. The debt collectors are violating the Federal Laws which states that calls before 8 am or after 9 pm are considered to be unreasonable. The Federal Fair Debt Collection Practices Act (fdcpa) also bars the collectors from calling at work, causing harassment, using abusive language, making false or misleading statements, adding unauthorized charges and many other practices. Please put your request in writing to them stating that you are not interested in talking to them and they are violating the FDCPA laws.

Quote:

Can I send them only a couple of dollars every month to keep them off my back? Or can they still sue me?? And if so... what then?


In the present scenario, debt consolidation will be a better choice for you. Nowadays, many people are burdened with the credit card debts and other loan payments. These debt struck people are trying to improve the money management at the hardest core. They are having great difficulty in making ends meet. Under such circumstances, debt consolidation can make your debt repayment easier for you.

The advantages of debt consolidation are:
[list=1]
  • As in your case, your monthly payment on a consolidation loan will be substantially lower than the combined payments of smaller loans.

  • These consolidation loans usually offer lower interest rates.

  • Since there is only one lower monthly payment to be made instead of many, consolidation program makes bill paying easier.

    Please fill the free sign up form at the home page of this site to get free consultation and counseling.

    If I can assist you further, it will be a pleasure

    Regards
    Roxette
    In all the ways acknowledge him and he shall direct the path


    • lrhall41

    Submitted by roxette on Fri, 05/27/2005 - 16:19

    ( Posts: 4009 | Credits: )