CA no longer wants to work with payment arrangements

I look at it this way......all I can do is take things 'one at a time'. Pay off what I can, little by little.

Keep sending in what payments that you can. Keep a record of it so if they continue to say they won't accept arrangements and try to take you to court, you have evidence of making the payments. They say they won't accept arrangements but I bet they still cash you MO or however you are paying.

Wait a couple of days and call back and try to get someone else. Someone else may be willing to work with you.

Thanks for the advice. Yea.......sounds like I just got the 'wrong' person to talk to, on the phone.

I would keep sending in what you can with a copy of of it for your files. If they try to litigate you will want to use "abuse of process" as a defense to a lawsuit as they are trying to use a judge to force things when you are already doing your best to pay them.

god sd sorry to hear that this has happen especially since your loan came down in the intrest so much, wish mine would, I am thinking about calling them and asking them what happens if I default, now that I know in some cases they do send them to a ca. Hang in there, hope everything works out for you. keep us updated. By the way who is the ca or the firm?

SD- the others are right- and Cajun hit it on the head- keep copies of everything,a nd notes of phone calls!

I did this with a CA, and read back to them what they had told me, and when-took them by surprise!

I,too, had to change my payment sarrangements with one. They pressured and threatened me into paying alot more than we could. So after being here on the forums a while, I called them back. I told them I would be sending them xx dollars a month by money oreder-they said it is unacceptable and hung up. I did send the xx dollars a month by money order-kept copies of everything, and they haven't turned it down.

I don't imagine a judge would be really happy if you are making an honest effort and making payments, and they take you to court!

Also, the best thing, is to do correspondence via mail.You won't get anywhere with them on the phone, and it will only upset you.

I cannot say it enough- document and keep copies of everything!! Good Luck..karen :D

hey, 'Fedupinpa'...the 'Firm' is called Global Acceptance Credit Company. A company out of Arlington, TX. Ever hear of them?

Apparently they are a purchaser, servicer, and reseller of distressed consumer debt (all from website). sounds like a CA? I hope things look up for you. I'm sure you will get lots of good advice on this forum. hang in there and please keep us posted.

I thought I have read about them on here before. I did check out the link that debtstinker posted. Looks like a good site on them that you could get all the information you need there. I am going to google the forums to see if there were previous post.

Hey sdchargers, put the name in the search engine on this page, you will find some other posts on them and some folks that have dealt with them directly. Goodluck, I know these situations are very frustrating, wish I could send my cashcall loan to them to get the break in the intrest, not sure what cashcall would do with it though, can't tell how they decide to sue or give to collection. How did that all go for you?

Well...I called, again, tonite. i wanted to speak to the rep who ORIGINALLY had my loan. I was told she, " wasn't available", and, " no longer handles your loan." Ok......fine. I was also told if I wanted to make " new arrangements", the payments, per month, would be higher. I told the company I just couldn't do that. How frustrating. i think I decided to just send what I can, per month, and get a reciept for it( ie..Money Order). That's the best option right now.

My advice would also be to copy each money order before you send it off to them so that you have some sort of documentation of your payments. I also wonder if the first rep got promoted and is some sort of manager--would be worth trying to get ahold of her.

Have you asked to speak to a manager? Sometimes they will be a little more cooperative, especially if the customer representatives are working on a commission. See if you can get a manager on the line, you may get different results.

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any updates sdcharger, I am really interested in how this all plays out. Did you try to speak to a manager? I think this would be your best bet.

I think it is best to just send in what you can and get back to your original arrangement as quickly as possible. I know they will probably say that it isn't an option, but I'm with bossy. I'll bet they cash the MO and don't send it back! If they choose to try to take you to court, I don't see how they would have a chance at winning, especially if you present to the judge that you have sent in your MO and they have cashed them.

I did call them back ( 2 or 3 times). The rep told me I had to talk to the " caseworker in charge of my case". Every time I am tranfered, the 'caseworker' is not available. I've left several messages, with no one calling me back. Well.....I'll just keep trying.

Hi sdcharger

Do not worry...everything will be fine.

Take care
Nelly

Did they assign you a new case manager? Can you write a letter, sent certified? I am wondering why they are avoiding contact?

SD- Be sure and kkep notes of all the times you have called,dates, times, and if you left a message, etc. This wasy you will have a log of the efforts you are doing, and,or, what they are doing..karen