Ok, I was wondering if anyone would be able to give me some advice on how to deal with this situation involving Asset Acceptance and Fulton, Friedman and Gullace. I had mentioned it in a thread before, but didn't get too much information and I'm really started to get irritated with them.
To make a long story short, I had worked out a payment plan with Asset Acceptance about 4-5 months ago to finally get my judgement paid off. After making payments for a few months, I realized that I had received a letter from Fulton, Friedman and Gullace stating that they were taking over collections for AA and anything that was worked out with AA would be honored by them. I never received any letters from FF&G after that one, but I got monthly notices from AA of when they were taking my payments out.
I started to notice odd things about AA and FG&G...like how on two letters I received from both companies on the same day, it was the same collector that was apparently working for the same company...or how AA was giving me a phone number on their letters that was no longer in service and gave me FG&G's number.
My problem with them lies in the fact that I never worked out a written contract for payment with them. I verbally told them when to take the money out (and they told me that I had to come up with $500 down to start making my monthly payments) and in their letters, they state if I have any problems with making a payment, to give them a call. Sounds like they're going to be helpful right? Wrong.
I've missed no payments with them whatsoever so I decided to give them a call and see if I can postpone my payment by two weeks so I can catch up on my rent. The Asset Acceptance number gave me the number for FG&G so I called them. The lady with FG&G pulled up my file, I asked if there was anyway that I could postpone my payment and I was told I was not allowed to miss a payment. Then I was told I could use a one time half payment but I'd have to make up the rest on my next payment. Sure.
How can AA pull something like that? I worked out the payment plan with them and only them. They own the debt, I only want to work with their collectors, not FG&G. I can't even get ahold of AA. I'm not even 100% that FG&G's "collectors" aren't AA collectors lying about who they work for. I'm still working hard on trying to catch up on my rent (and I"m soooooo close). If I can't get ahold of AA and they continually refuse to give me what little leeway I'm asking for (and I'm not asking much), is there anything I can do? Considering I came to them and arranged payments and I picked the dates, can I make them change it...or if worse comes to worse, can I tell them they're no longer given permission to withdraw payments from my bank account and I'll mail checks...interest or not? I'm just getting really aggravated with how they let me arrange payments and then just choose to not deal with me.
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