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savannah · Posted: Sat Jun 23, 2007 9:53 am Subject: Please help..crazy collectors calling

I have this crazy collection agency calling me about a medical bill from 10 months ago that I honestly had gotten one letter and now i have been sent to collections. I have only spoke with this company 2 times. The first time she called my cell while at work and I informed her I was at work and would have to call her back. She tehn called me back about a week later on my cell and at work and hung up on me telkling me she would call my employer. She called my employer told them she could not send verification that it was illegal that it was a collection. I was mad and called back the next day stating I needed a letter and I would pay on my debt and she atgued with me stated she had already sent 2 and hung up on me. I went up the chain from there and now have received a letter stating I owe $50 more than the first time she called. Can they do that?

Posted: Sat Jun 23, 2007 9:58 am Subject:

Send them a debt validation letter certified mail with return receipt. And she shouldn't have been telling your employer or any other third party anything about this debt.

Posted: Sat Jun 23, 2007 10:31 am Subject:

I would also call the medical provider and see if you can work something out with them or how much the original bill was for. I would also tell them about the rude manner that you were treated by the collection agency.

Posted: Sat Jun 23, 2007 12:02 pm Subject:

I don't trust on this collection agency calling you for the payment. If they are doing genuine collections, they should have sent you the details of the debt without your asking for it. Send a certified DV letter and make them act according to the FDCPA laws. You should also get in contact with the hospital directly and work out payment arrangements

SAVANNAH · Posted: Sat Jun 23, 2007 2:09 pm Subject: Can they add money?

Can the collectors add money to what you owe for any reason? Intrest or penalty fees?

Posted: Sat Jun 23, 2007 2:13 pm Subject:

Yes, collectors can add fees on the original balance. Every state has a fixed collection fees. Go to the attorney general website of your state and know the permissible fees.

Besides, your contract signed with the original lender should also mention the legal fees the CA can charge. Get the debt validated by the CA and know if they adding on any extra money on your account

Posted: Sat Jun 23, 2007 6:45 pm Subject:

They have to give you proof of how they calculated any tacked on fees or interest as a matter of validating the debt. Send them a partial cease and desist letter stating that you'll only communicate by mail. It sounds like they've already made several violations of the fdcpa by calling your cell (thus you having to pay for the call), and communicating a debt to a third party. I would remind them of this in your letter and state that with any further violations, remedies will be sought.

Posted: Mon Jun 25, 2007 12:44 am Subject:

Send the collection agency a validation letter. In the meantime try to sort out the matter with the original creditors, tell them that you really want to get this matter clear. Ask them whether they would be interested in settling down the account or not. Regarding your collector calling at your place of employment and telling them about the debt is actually against the law.

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Please help..crazy collectors calling

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