The best advice I can tell you is to pay what you can, if it goes to court then you can show your income and expenses along with the payments made to the account and the judge will see that you are doing what you can within your financial means which will look very good on your part.

One thing I was curious about, where did the CA get the figure of $2,495 from? Was this back payment?

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JCEMT

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Is it J P Frye, John P Frye, Law Office, J P "FREY"? These are all names coming accross our caller ID. As well as "unknown" and "private". These 6 names came across our phone in as little as 5 minutes. Not only once, by the way. Like the other stories I have read today, this company doesn't give up and uses illegal tactics to get money now, and in whole. It didn't work with me so I hired an attorney and this attorney said "in one message I played for him, "Frye" violated 3 rules." So we are now filing a complaint in court and the phone calls have stopped!!!!!!!!! something for you to think about Babygirl

Thank you all for the input. For Mr. Mediator, the CA for Best Buy (CRI), to the best of my "small brained configuring" I think the 2495 was the split of the 24,000 we owed and they were trying to get in in 10-11 months. Like I've said, we owe the money and were paying 600 p. month to try and catch it up, we believed it was interest free, because that is what they said until I wouldn't give them access to our account with 5 post dated "electronic" checks.
Just came home today to find a message from "Brenda" emphasising that she was calling the "Law office of John Frye" and I needed to call her ASAP. I returned her call, no return yet. The man person I spoke with Thursday told me I had no option but to pay in full or 50% w/ the possibility of working something out. I am def. going to make some phone calls and see if this company is legit as far as for harrassment for $. One ques. If I send them say $100, with no payment arrangement, do I see if they take it? I will definetly let you know if I get anywhere, I am sure "Brenda" will call me tomorrow and everyday after. We have staved off filing BK because it seems unnecessary with this company and the mortgage company we are having issue with? Is it the only option if they don't accept $? We have never been in this situation and it is such a harrowing experience.

have you thought about consumer credit counseling? not the pay crap but your local non profit ones?.. it sounds like you just need a little assistance to get things organized.

__________________
Life is a journey down a road filled with many twists, turns and forks. the destination is not important... the journey is what makes life precious.

How do you find a reputable one? The one's that won't "work you over" and will actually pay the bills with no up front or substantial monthly costs?
Additionally, Brenda Fox called this morning from the Attorney office and transferred me to a "manager" who said I had no options because I mentioned bankruptcy counseling and now I "tied her hands". She said I need to find a loan because I wasn't exercising all of my options because I didn't contact citifinacial or american financial to get a loan to consolidate all my loans. She also recommended that since all of my other accounts were in good standing (she was reading off my accounts from a credit report she pulled up), that we should defer our loans to pay up on this one. I called my bank and they said they don't do that for a year like "Cindy, the manager" suggested.
I am so lost because I offered the same $600 per month arrangement and she said it wasn't an option and my account was on a high-risk, probability to go to a lawyer for suit in my state. We will see??

DOES ANYBODY KNOW THE MAILING ADDRESS FOR JOHN P. FRYE?

I just a call from phil at J P frye, and he left a message. But he did not say why he was calling.

I have the Law Office of John P. Frye P.C.
PO Box 13665
Roanoke Va 24022-13665
or
Law office of John P. Frye
PO Box 11767
Roanoke, Va 24022-1767
don't know the difference between the two.

I think I posted wrong once, what is the magic that apparently occurs when you mention bankruptcy or BK counseling to these CA or law "representatives"? I suddenly had "tied her hands" because I mentioned it. In one of the earlier blogs I read about someone mentioning BK and then "wink wink for those of us that know" . What does that mean?

Babygirl, check out nfcc.org. They have member agencies who are non-profit Consumer credit counseling services. You can find a local one in your area. Most will do an initial free counseling session over the telephone. If you are a good candidate for their program, the fees are quite small. However, I don't think all creditors will work with them, and these guys don't sound very reasonable, so I don't know. . .

I consulted two different CCCS agencies, and they both told me that our income wasn't sufficient to be able to pay our creditors, so they were at least honest with me.

If you do need to consider the BK option, most attorneys will give a free initial consultation. Just remember that it is their business to file bankruptcies, so they may recommend it even if it isn't the only option for you.

You could just try sending in your payments and see what happens. Most of these places won't actually sue you as long as you are making payments. They may just be harrassing you because they think you can come up with more money than you are paying. I had one CA tell me that he was looking at a copy of my credit report, and obviously I could pay him because I still had an open Chase account that I could get money from. (I didn't, but that didn't matter to him--he thought I did.) If they actually do file suit, you can always decide to go the BK route at that point.

babygirl
if you are being harrsed by ca's get ahold of krohn and moss, ltd. stopped all calls now we are suing them

Ok so I have been getting calls from The Law Office of John P. Frye for about a week now. They never leave a messege and they are calling 8-10 times a day. They said that my Best Buy account was sent to collections and the collection agency didnt get a response from me so they turned the account over to them. I was enrolled in a debt managment program but we got out of it in June. JPF is saying no payment had been made on the account since January and now unless they receive $2,900 they will be filing an action against me (in the state of Georgia) by the end of this month. I have not received any paper work from them or from a debt collector before this. They said I had to pay a down payment of $293.67 to keep the paper work from going through until the end of this month. I paid the money because I know I owe money on the account and I want to resolve the issue, but I dont know if how they are handling this whole situation is "legal". Can someone please help me!

Rue

Send them a DV letter CMRRR, include a limited C&D letter advising them to stop calling and all contact should be in writing and by US Mail only.

I was getting calls from JPF also about a debt that they said that I owed. They called me for about two weeks straight 10 or more times a day. I did not send them any money. I sent them a DV letter via CMRRR, and specified that they stop calling and that they should write to me instead of calling. It's been about two weeks and I have not heard from them again. I don't know if there gathering all the info I asked for or if there going to sell my account to another CA.
I recommend that you send a DV letter before sending anymore money.

You are correct about their timing. I know that I had a Capital One Account, which I tired to make good on, but to no avail. Out of the blue, I got a letter from Mr. Frye's Office indicating that they were collecting for Atlantic Credit and Finance. I had never heard anything from ACF either. Went right straight to Frye. I sent a DV letter, and am still waiting to hear back. I am about to send another one, CMRRR in today's mail. Wait and see I guess, again.

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You only pass this way once. . . . .enjoy what life has to offer!

llw1995

I never heard from Atlantic Credit And finance either. Until I got the phone calls from frye. How long has it been since you sent your first DV letter?