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Help Me! agency is wanting payment on account being paid on

Date: Tue, 10/03/2006 - 13:49

Submitted by gypsyspirit28
on Tue, 10/03/2006 - 13:49

Posts: 3 Credits: [Donate]

Total Replies: 5


I have a debt of roughly $1100 that I am paying a reputable debt collection agency on regarding an old debt from Washington Mutual Finance. Academy Collection Services is hounding me daily in the rudest manners possible to collect on the very same account I am paying on currently. I have told them the debt is being paid and they are still requesting payment in full. The reputable debt company (NOT ACADEMY) I AM paying regarding the debt said I should not have any further contact with Academy since the account is being taken care of but I was told by the hateful Academy agent that my credit would be smeared by them stating that I had refused to pay the account in question. I don't know who to believe. The company that is receiving the money regarding the account is really trying to work with me on getting the debt down and off my credit report, but I'm afraid this Academy is going to make a mess of things. I don't know what to do but I do know I need to act ASAP in some way before things get any more out of hand. Do you have any suggestions? Please I'm in a hurry to get this fixed and over with and from what I've found on the internet about Academy it seems this company is quite a dangerous one to contend with.


Are you positive this "reputable" company you're working with still owns the debt? Did you get validation from them before you starting sending them your money?

Have you received any paperwork from Academy? I would send them a cease and desist letter right away.

Also, I would make sure that the CA you're currently sending money to still owns the debt, and it's being applied to the correct account.


lrhall41

Submitted by on Tue, 10/03/2006 - 14:19

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Follow this move. It should sound right.

1) Inquire with the debt company whom you are already sending the payments. They should be posting the money towards your debt account. See if the balance is going down. If this is happening, there is nothing to worry because you are paying to the authorized company.

2) Academy Collection Services should validate your debt account before they attempt any collections on you. Did they send you any info about the debt? Without having it in writing, you are not supposed to send your money to any company. Otherwise, anyone will come and ask you to pay them. That's doesn't sound fair. Right??


lrhall41

Submitted by ArDeN on Tue, 10/03/2006 - 14:22

( Posts: 496 | Credits: )


Receivables Management Solutions is the "reputable" company I have been dealing with. They did validate the debt and so far have been dealing fairly with me. Academy called once and then sent me a letter (on 9/21) saying the debt was transferred to their office for collection by Resurgent Capital Services, LP LVNV Funding, LLC and Washington Mutual was listed as the "fwd creditor". I received two calls prior to that letter and received an identical letter dated 9/22 the next day. I told Receivables Management that I was being bothered by another company and they sent me further verification of ownership of the account. The balance is going down with Recievables but seems to be creeping up slightly with each call I receive from Academy as they request their payment in full. Do you honestly think the cease and desist letter will work? If so I will be at the post with bells on in the morning. I can't rest with this nonsense going on.


lrhall41

Submitted by gypsyspirit28 on Tue, 10/03/2006 - 14:53

( Posts: 3 | Credits: )