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 Posted: Sat Jul 01, 2006 7:17 pm Subject: Weltman, Weinberg & Reis Co., LPA |
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I was paying $75 a month (for the last 2 months and $50 the first month) then shortly after I arranged this past month's $75 payment I was told that they are not calling for monthly payment and that they wanted the whole thing (around $700 remaining) I informed them I couldn't pay the whole amount. They told me they would be calling me at the end of the month (end of June) for another payment. I told them I wouldn't be able to make another payment in the same month. They then hungup. A week later (around the 22nd) they called again and wanted another payment I told them I just gave them a payment and couldn't pay a 2nd payment already and besides they said they were going to call at the end of the month and that today's date was not the end of the month. They called 3 days in a row after that. Told them the same thing each day. Then suddenly today (July 1st) I got a letter from them stating "Please be advised that you have defaulted on the agreed payment terms reached with our office. If this delinquency is not cured immediately, we will be forced to proceed with collection efforts. This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose."
If I had only agree to pay once a month and had already paid an amount for the month how was in defult?
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allogagan
Joined: 30 May 2006
Posts: 23
Debtcc Points: 1161
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| Posted: Sat Jul 01, 2006 7:55 pm Subject: |
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Last edited by LessIsMore on Mon Aug 14, 2006 9:40 am |
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LessIsMore
Joined: 14 Apr 2006
Posts: 420
Debtcc Points: -903
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| Posted: Mon Jul 03, 2006 10:23 am Subject: |
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it's also a good idea to get any 'agreements' in writing, that way if they change their mind or expectations you have a document to prove that you didn't default on the agreement.
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phonguy
Joined: 01 Jun 2006
Posts: 42
Debtcc Points: 1114
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| Posted: Wed Jul 05, 2006 8:20 am Subject: |
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How about interest or other fees? I also noticed looking at a letter they did send me after requests some kind of paper work from them and the letter about being defult that the amounts were different the later of the 2 had amount of around $5 more which I assume is Interest or a fee of some kind (I don't know which since they don't say anything in their letters as we all know.) I was just wondering if there is a limit to the monthly fees/interest that a Law Firm that is also a collection agency can charge. I never had a collection agency charged me interest so I don't know and the only fees I ever had to pay were "check by phone fees" as they called them ranging from $1 to as high as $10 per payment.
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allogagan
Joined: 30 May 2006
Posts: 23
Debtcc Points: 1161
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| Posted: Wed Jul 05, 2006 3:16 pm Subject: |
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Collection agency must charge within the permissible laws set by the state. Besides, the original contract signed with the credit company should authorize the collector for charging further amount. If this point is not mentioned in the contract, the CA cannot add further charges. If the collector is allowed to add collection fees, it must be within the rates fixed by the attorney general of your state. You can verify the information with the AG's office in your state.
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andyyoung
Joined: 05 Jun 2006
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| Posted: Thu Jul 06, 2006 10:54 am Subject: |
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The fee's for paying over the phone are not associated with the actual debt, as they are fees for a type of payment method other than what the company prefers. However, actual fees associated with the debt and collection of the debt itself absolutely fall under what Andy mentioned above.
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phonguy
Joined: 01 Jun 2006
Posts: 42
Debtcc Points: 1114
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