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 Posted: Mon Apr 28, 2008 7:40 pm |
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I was told that zwicker & associates don't work with credit counseling services so I tried to talk to them and they threatened law suit and me having to pay the debt and all attorney fees, I am suppose to call them Friday, I need advise I am scared.
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fan4jr
Joined: 24 Apr 2008
Posts: 1
Debtcc Points: 18
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| Posted: Tue Apr 29, 2008 1:09 am |
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Don't be scared! Be wise. Send them a Debt Validation Letter right away, send it CMRRR. They have to cease ALL collection activity until they provide the DV, which they probably can't do.
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Guest
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| Posted: Tue Apr 29, 2008 2:33 am |
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You may be required to pay the debt along with the attorney's fee, only if they manage to get a judgment against you. But they need to validate the loan before that.
However, if they are not ready to work with the counselling program. Then make them a settlement offer, but that too you should only after being convinced with the amount you owe.
~AliceO'reily
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AliceO'reily
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| Posted: Tue Apr 29, 2008 3:36 am |
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Definitely make them validate the debt before paying, offering a settlement, etc. There's no call for them to be rude and/or threatening.
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The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
 Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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| Posted: Tue Apr 29, 2008 8:05 pm |
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I am not even a month late with the Discover card that they are saying has hired them. I am going to send the letter then I will take it from there. I won't let them bully me and the next phone call I will notify them that our conversation is being taped. I know they can get ugly. He wanted 5000.00 down and 500.00 a month. I told him if I had that kind of money I would not be in this mess. The amount is what my Discover balance was so should I still send the letter? I think so.
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Jeanne
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| Posted: Tue Apr 29, 2008 9:54 pm |
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Contact Discover and find out if they have turned the debt over to anybody. Try to make arrangement with them to take care of this matter.
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Cellular
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