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 Posted: Wed Jan 30, 2008 8:54 am Subject: Bank Information |
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I have not read about this topic. I do owe this bill and do not mind working to pay it off, but Palisades is asking for my Bank account rounting number and account number and say they want it over the telephone. It is the only way they accept payment. I am not comfortable giving out this information. I would rather mail my payment in. Am I locked in to doing business their way?
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Worried in SC
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| Posted: Wed Jan 30, 2008 8:56 am Subject: |
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Tell them you do not have a bank account. Pay by money gram, prepaid debit card or what ever. If they want your money they will take it anyway you give it.
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kashzan
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| Posted: Wed Jan 30, 2008 10:59 am Subject: |
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Do NOT give out your banking info to ANY collection agency. They will wipe you out, take the full amount of what they think you owe, and then not give back the difference because they say "Well, you owed it all anyway. Let's just consider it paid in full." Trust me....they WILL take a money order. Just be sure and send it to them certified mail and take copies of everything for your own records. After a week or so, call the money order company to verify that the money order has been transacted on, and write that date on your copy of the money order.
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swedishgirl
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Shazzers
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| Posted: Wed Jan 30, 2008 1:54 pm Subject: |
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They were just giving a try at manipulation. Check by phone is not the only way they would accept a payment. Never give banking or other personal information to a collection agency. You don't have to tell them anything. Just tell them the check is in the mail.
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LawStudent
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| Posted: Wed Jan 30, 2008 1:58 pm Subject: |
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Taken from an NACA Attorneys website:
ATTENTION CONSUMERS!
If you are CONTACTED by a Debt Collector:
NEVER give them your banking or credit card information. They will take much more than you authorize.
NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.
NEVER send them money via Western Union.
REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.
BEWARE: Paying a debt collector will NOT get an account removed from your credit. They do NOT have that ability.
RECORD conversations with debt collectors (where legal) so they can be held accountable for breaking the law. Is taping legal in your state: Can We Tape
Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees. Visit: Your Local State Bar
Is the debt still within your state’s statute for collection? Statute of Limitations
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frogpatch
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