Don
Belleville,#2Consumer Suggestion
Mon, January 15, 2007
Based on your post, you say they took out money without authorization, but you also say you agreed to make a payment in November at least. When you set up the payment in November, did you agree to postdate a payment in January? Did they send you a letter indicating the payment date and amount in January? All collection legally have to send out a post date legal compliance letter with that information.
Steve [Not A Lawyer]
Bradenton,#3Consumer Suggestion
Mon, January 15, 2007
Raymond, The first thing you want to do is close that bank account and open one at a DIFFERENT bank. if you fail to do this, they will most likely clean you out. NEVER call, or speak to any debt collector on the phone! NEVER!! Always demand everything in writing. By making a payment to them, you actually validated the debt and made it legally collectable. Now they can sue you and get a judgement easily. Before, the debt may have been legally UNcollectable. MOST of the debts NCO attempts to collect on are very old OOS debts that are legally uncollectable. They are JUNK DEBT BUYERS. STAY OFF THE PHONE!!