Account turned over to NRC

They rushing for you to pay so you don't have time to verify everything and that the amount they say you owe is correct.

Do not worry about the 24 hour thing, its a bluff into trying to get you to pay. They cannot have you arrested. As long as you have proof you sent the letter there will be no issue. Did you send the letter with a receipt verification?

If they call back you need to tell them that you sent the letter for debt validation and you will not do business with them until you receive that validation. There is nothing else they can do to you except harass you on the phone. If they try and sue you they probably couldn't show the debt is valid, especially if they refuse to send you validation. So don't let them intimidate you. Read through the forums and you will pick up other advice also and other letters you can send them. If your state allows it, record the phone calls and right down everything they tell you, you can use that to show violations of the fdcpa.

I didn't send the letter certified mail or return receipt because I usually give people, even undeserving ones the benefit of the doubt even if it costs me. I never had a problem with a company not sending me a reply about the validation or sending me a validation.

Should I just reprint the letter and send it again, this time certified with return receipt even though it is past the 30 day mark?

I want to kick myself right now for not doing it in the first place, but also, is it even going to do anything since it is being sent to a P.O. Box? They actually have a different address on their letter but on their website, it only gives the P.O. box as well.

Never give debt collectors the benfit of the doubt, always send mail ceritifed or return receipt. As long as a you have a copy of the orignal letter you should be okay. You can send another letter and mention that you are still waiting on validation from the previous letter you sent and mention the day you mailed it. It doesn't matter if its a p.o box or not, that's the address they give and if they don't pick up the mail that is their fault.

Just call them to work out a payment arrangement, but make sure they validate the debt first. If they try to threaten or intimdate you just tell them you will not pay until you receive validation and then you will pay them. Don't let them force you into paying too much.

I wouldn't worry too much about the time frame they have given you. I also have an account in collections with them and they have been giving me the same 24 hour time frame for about a month now. I would just re-send the debt validation letter certified. They're just trying to scare you and rush you.

So I shouldn't have to worry about calling him back tonight? I'm not prepared of what to say at all. All I know is that it freaked me out so much that when I took a nap after I got the call my heart dropped when I woke up and remembered and all last night I was dreaming up different scenerios on how the situation would go. :?

I'll send another letter again tomorrow this time CMRRR and try not to let it worry my weekend like my worrying did for me last weekend.

Don't lose sleep over it. :-) Just out of curiosity, what account was turned over to them?

World Financial Bank (New York & Co store account)

yeah don't lose any sleep. There are no debtor prisons and you cannot go to jail for not paying your debt. The worst thing they could do is try and get a judgment against you, but I doubt they will try that so soon and for the amount you owe.

Wow! That is the same account I have with them. Don't worry about it. After a couple of weeks, they won't call very often. I'd be willing to bet they will start sending settlement letters soon. :-)

In my opinion one should never ever speak with the collectors over the phone. It is advisable to communicate with them in writing, and always remember to send the letters via certified mail with a return receipt request. Never sign the letters; you can print your initials or even type your name.

See, it is really nice that you are actually planning to pay off the debt but before that order your credit reports (if you haven't already) and check whether your account has been actually turned over to collections or not. You can also check the SOL for your state - if your debt is out of statute debt then you have a legal right to not pay the debt.

Hummm... interesting nelly! Why not sign the letters? I signed all of mine. That's why i love this forum, u learn something new every day!!
I'm interested in knowing why you shouldn't but i do have a few thoughts going thru my head!
Ang

Ang,the reason for not signing anything is some lowlife agencies have had a rep of your signature magically appearing on documents that were not your s to start with.

That's what i was imagining Cajun! YIKES! and i NEVER even gave it a second thought about signing a letter that i wrote! SIGHS.
Ang

yeah, thats a very good point about signatures. It is better to just have your name printed at the bottom, not by hand.

To needhelpfast--I would send them the same letter again, this time by certified mail. If they continue to make collection efforts after they have received it, let us know. And dont let them scare you--their tactic is designed to make people pay out of fear as fast as possible, because it doesnt allow the consumer to become aware of their rights, or to excercise those rights.

The only thing I would sign from a collection company is either a settlement contract or a mutual release if suit is filed on them.