Help! Advice please!

Hi potatohead,

Welcome to the forums.

Quote:

Ok,
I called collectcorp and apparently the gov't of canada won't do any deals - we owe the whole amount. I don't know if this is true, but when I offered payment of 150.month until the debt is paid, they told me (never mentioned it before) that they deal in 6 month payment setups only and would accept our 150/month for the next 6 months. She sounded miffed that we'd spoken to a financial adviser. They said they weren't authorised to give us anything in writing other than standard government forms relating to full payment and that we will have to fill out a questionaire that will come in the mail to us about our finances so they can "justify why they are accepting this amount" to the government. We can send off 6 months worth of checks to the reciever general of the government, but in 6 months (or maybe sooner) we may be back in the same boat. I am leery that we send them a whole bunch of information and they get money from us but we have absolutely no guarantee that things will not be changed immediately on their whim. I am not feeling the relief I though I would when they said we would send them payments and they accepted. She said nothing to us on the phone about the 6 month terms when we spoke before.
Is it true they can't give us anything in writing? What stops them from changing the deal at any time? 150/month for the next 12.75 years is something I can live with (I had long terms on my student loans too, but my payments are fixed the whole time). If my husbands work improves they are going to ask for more money. I don't want to give them anymore than this. Neither does my husband ( I realise that it's our fault we're in this mess but we are trying to get our lives together and are finally starting to - we don't need this when we're trying to fix things). As it is we aren't sending the money to Collectcorp but to the government, as I refuse to pay them directly (they weren't impressed with this but said we could do it although we could "expect delays". The Checks aremade out to the Director General anyways so it shouldn't matter who it goes to as long as they get the money. The number they gave me to get the address to send the money is an old number and I have to get the new address tommorrow as the office now closed. I am worried when I call the office tommorrow I'll be told it was a lie and I have to pay CollectCorp. I feel like I"m being jerked around.
Thay also told me that going to a gredit consolidator for a loan will give us an R7 on our credit rating (which apparently is bad). Seeing as his credit is already screwed I really don't see how this is supposed to scare us. Is that true? Do they just not want us dealing with a financial person as they'll get screwed over?
I am feeling like a toy that is being batted around at the whim of people who hold power over my life and I am not enjoying it. Advice about what to do next would be appreciated. I don't want to redo this stress every 6 months.

I read your problem and feel that this is something that is very tough to handle. As long as we are willing to pay our debt, why should there be so many problems from the end of the creditors, collectors and stuff like that.

I was relieved when I took the help of the counseling program with this company. The consultant efficiently dealt with all of my problems and I was left with no worries at all.