Hello, I have another thread on this forum - please forgive me for starting a new one! I got an even more upsetting matter now, though. I first had this with my ER Solutions thread but this really is a whole new issue - I am sorry if I broke forum rules..
Here's the thing: I owe capital one aprox. $600. On sat. morning, i came home from the post office feeling good and got a missed call. I called back and these people said they were calling for capital one, i thought they were collections and asked them to put in writing a debt validation - after these payday loans, i don't trust anyone!! the guy said he was not a collection agency and that capital one plans to sue me. He asked all these questions than made a payment plan - i am not comfortable with this because he wants a lot of money from me. The first payment is $50 by the end of April, which is fine and he agreed to a prepaid card. But before I give him more I want to know if this even sounds right? I didn't give him anything so far. I know it's a legit debt but i don't know - he put me on hold and said he was talking to capital one.. it just raised a red flag for me. For example he said he could have worked out a smaller plan but my account was flagged and it's only the second time he ever saw that than he acted real surprised they let me set up an arrangement and he talked bout me using my tax return for this - like hello! I have so much other debt and i don't know what to do.. he sent this in writing via email but i wont have email access until tommorow, so i dont know. i will post his email than. i don't remember the name of the company but their # is 1-800-798-3701. does this sound right? i am starting to really fall apart with all of these money problems - i am trying my best to make it work but don't know what to do. I have no problem payin my debts, he just made me uncomfortable..
I wondered where that post of your had got to. I was in the middle of responding to it.....
Anyway, the number comes up as Nelson, Watson, & Associates, a collection agency based in Haverhill, MA. Their website is www(.)nelsonwatson(.)com.
A google search turned up several unflattering hits on them, including a Federal suit for FDCPA violations in Colorado.
In your place, I wouldn't trust'em one inch. Hit them with a DV letter immediately. As in, tomorrow morning. All of his assurances about not being a debt collector aside, bullshit. He's a debt collector. Read their website. _________________ -
The four no's of dealing with collectors:
No validation? No payment. No way! No fooling!!
ok, thank you so much! i didn't have internet access until thsi morning - I hope its okay that I posted them in different threads- I just thought since they were different.. He pretend to apply me for a hardship stay, etc... said if i didnt make an arrangement, i'd get a summons to go to court, etc.. i am getting pretty good with paydya loans since they are not legal in my state but am no good with legit debts.. he's trying to make me pay them $350 in may! I don't want to get sued but I barely have anything left after fighting payday loans (which is why i was so behind to begin with concerning these credit cards..)
So should i send the DV letter tommorow? He had me so upset, I really did not feel right about his call, I was just so confused and without an internet I had no idea what to say..
I hope its okay that I posted them in different threads- I just thought since they were different..
Shouldn't be a big deal. Just try not to string a single issue out into multiple threads. That really confuses the old guys [like me...]
bea2ls wrote:
He pretend to apply me for a hardship stay, etc...
I think you hit the nail squarely on the head, there. He 'pretended' to talk to the OC or whoever. That's an old, old trick. Used to see it in the car dealerships pretty regular, too. The salesman would lead you to think you were getting a deal below bottom dollar, and have to go 'check with the sales manager' or something. In reality, what he did was go to the bathroom or something.
bea2ls wrote:
said if i didnt make an arrangement, i'd get a summons to go to court, etc..
I'd almost bet that was just a scare tactic, to coerce you into going along with their demands. It's illegal, BTW, under FDCPA, because it's designed to overshadow your right to dispute the debt.
I don't suppose you recorded that call, did you? What state are you in? I'll check your state recording laws for you.
bea2ls wrote:
he's trying to make me pay them $350 in may! I don't want to get sued but I barely have anything left after fighting payday loans (which is why i was so behind to begin with concerning these credit cards..)
So should i send the DV letter tommorow?
You said he was going to be sending you an emil tomorrow, correct? If you don't have the account number or the actual name of the outfit, you might want to wait on that email before sending it, to avoid wasting five bucks in postage. Otherwise, drop by your local post office on the way to work tomorrow, and fire that sucker off! If you need a template, use this one. Remember to include the enclosure, and send the whole works CM/RRR.
In your position, I'd not send them dime one without validation. Their actions in just that initial call show that they could give a damn about your rights or the law. Make'em work for whatever they eventually get.
bea2ls wrote:
He had me so upset, I really did not feel right about his call, I was just so confused and...
Per FDCPA, collectors are not allowed to harrass or abuse you in pursuit of a debt. You can read all about it here.
bea2ls wrote:
...without an internet I had no idea what to say..
When in doubt, take a lesson from Tricky Dick Nixon, former President of the United States. Deny everything. Seriously.
If someone calls, claiming you owe them money, don't engage in lengthy conversation with them. Name, rank, and serial number only. As in, you want their company name, their name [they'll probably lie], their mailing address, the OC's name, and the account number. That's it. If they give you the info, great. Note it down accurately, then hang up. Otherwise, just hang up. And keep on hanging up until they give you the info you want. Then use that info for your DV letter. _________________ -
The four no's of dealing with collectors:
No validation? No payment. No way! No fooling!!
ok, thanks - i knew i wasn't handling it right but i really had no idea what to do - i hope i'm not legally stuck "agreeing" to something because I really have no idea what i was supposed to do.
i will wait for his email than send it out asap.. would it be ok for me not to pay them without this letter? I know he'll tell me I will be sued, but I don't know exactly how to fight this! What exactly should I tell him if he calls tommorow? He wants $50 on Tuesday, but I didn't believe a word of what he was doing - I knew I shouldn't have talked so long, I really was scared of being sued (it's one of the biggest things that keep me up at night!) I just didn't fall for it, but I know it is a legit bill for me to pay.. I just want to make sure I wouldn't make it worse by not paying the $50 on Tuesday.. He wanted $350 total in May (two payments) than $240 in June.. Capital One was going to settle for $250! I just didn't have the money at the time. I know what he was doing was wrong, I was just very ignorant and hope I didn't blow it.. :/
Btw, I live in NJ - thanks for the advice!
Ok, one more question - i looked at the webpage and saw this:
"Litigation Services
Bridging the gap between successful"
That section does mention pre-legal, could these people be legit? I just was so uncomfortable with the way he was acting, i really didn't fall for his tricks, i am just real scared of being sued..
I have never once got a call from a collection agency concerning Capital One - just from Capital One themselves.. they would call like 20 times a day (no joke) than the calls stopped- than I got this call.
Okay, they never emailed me - what should i do? I don't want to pay these people without something in writing - will i get sued for saying that? i just don't trust them.. I left the guy a message asking where the email is. Should I not pay these people yet? Can I legally wait to recieve something in writing? _________________ Register today to cash in debtcc points.
Okay, I called and finally reached someone - it does appear to be the pre-ligation department. She said I will get something in writing within the next half hour.. what should i do? Am i going to have to pay these people this huge amount in May? I am so lost.. am i too late for a debt settlement company? I really don't know what to do..
They said they'll send something in writing - I asked for debt validation and they said they weren't a regular collection agency and that they were the last step before me getting a summons. I never recieved anything at all.. will I get sued if I wait to recieve this? I am so scared, I have no idea why these people are all coming after me at once.. they want $50 tommorow, $175 May 15 and $175 May 25 and $120 June 15 and $120 plus interest on June 25. I'm so scared of being sued..
I have not recieved anything in writing as of yet.. I was told around 12:15 that it would take 20 min.. what should i do? I am calling again, this worries me..
i have a different ph# and a fax# for nelson watson.
they are
ph#1-800-877-1756
fax#1-978-469-9046
got these off of a validation i got in regards to a rewards 660 card i had.they at first tried that garbage with me,do not back down.they are a CA that uses the guise of an attorney.
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I had no idea what to say..
