Steve
Bradenton,#2Consumer Suggestion
Fri, September 08, 2006
Amanda, If you did not owe the money, WHY would you call them to arrange payments? This is crazy! Did you ever hear of the word DISPUTE? The "legal dept" does not exist. It is an intimidation tactic to extort money out of you. NEVER speak to ANY collector on the phone! This is exactly where it gets you. It is a NEW debt NOW, as YOU Re-affirmed it by making a payment agreement. You restarted the 7 year reporting period AND the SOL, which previously was expired and the debt was uncollectable. STAY OFF THE PHONE.
Jennifer
Hwy 1,#3Consumer Comment
Fri, September 08, 2006
I believe they can now that you called to set up a payment schedule. It was the worst thing you have done, I think you allowed them to start the debt all over. (making it appear to be a new debt) I think you should contact a bk lawyer, they help in credit matters like this also. I think you might have to pay either way, but at least a lawyer will advise you how to respond to them without digging a deeper hole. Plus if they start threatening you, or lying you can report them and possibly sue them so they owe you money. Good luck, don't let them get away with it! Even if you legally owe the money, they can be such scum when they try to scare you into paying.