Debtconsolidationcare.com - the USA consumer forum

old debt

Date: Mon, 11/19/2007 - 20:31

Submitted by anonymous
on Mon, 11/19/2007 - 20:31

Posts: 202330 Credits: [Donate]

Total Replies: 4


In roughly 2002, i purchased a computer from Gateway, i got behind with the payments due to the company malfunctioning - subsequently my debt was written off by gateway. A debt collector took over this debt -and the harassment began - i decided that i wanted to clear and stop the harassing phone calls i received from these collectors and paid to them half of the money i owed. I subsequently made arrangements to pay the remaining balance in two installments however, when they sent me the payment slips i noticed that the monies i had paid to them was not reflecting on the balance i owed it stated that i still owed the full amount of the debt. I spoke to them about my balance and I decided that i was not going to pay anymore money to these collectors until i got some form of confirmation that they had received this payment from me.
A couple of months later i was contacted by another debt collector agency - who advised that i still owed the full amount of the debt - i tried to explain to them that i had made payments to pay off this debt - and they said they saw no indication of this. This matter has been on-going since 2002 - now i have been receiving calls at my job from lawyers stating that this case is going to court. Now initially when i wanted to pay of ths debt i contacted gateway directly who advised that this debt had been writen off - so how now after 5/6 years can this lawyer be calling me and sending me summons to attend court when this debt has been written off by the initial company - please advise.


ONLY one collection agency can collect on the debt and only ONE agency can report on your credit as well.

First and foremost send them 2 letters one is a cease and desist notice it will keep them from calling you and if they dont stop you can sue them for harrasement. Second you need to send them another letter called a Validation of Debt letter, they must show proof to you the debt is still valid.

Send the letters certified mail return receipt.


lrhall41

Submitted by Mary Adkins Matthews on Tue, 11/20/2007 - 05:06

( Posts: 755 | Credits: )


After making the payment,do you still have the dunning letter with the amount due? Not long back in California, a collector/attorney was sued (and lost) because the amount due kept changing and didn't reflect the amount of the actual debt, which was confusing to the consumer. I've posted that case law here before I think.


lrhall41

Submitted by Law Student on Tue, 11/20/2007 - 14:42

( Posts: 1182 | Credits: )