Debtconsolidationcare.com - the USA consumer forum

Going Back To Original Creditor

Date: Fri, 02/15/2008 - 10:25

Submitted by rbh97
on Fri, 02/15/2008 - 10:25

Posts: 34 Credits: [Donate]

Total Replies: 5


I am responsible for about $24,000.00 of unsecured debt that has all been charged off. I periodically get letters in the mail form collection agencies and mostly automated calls on the answering machine from collection agencies as well. My question is this: Can I still negotiate with the original creditor? Or should I deal with the agency?


hello rbh! i think that the reason the collection agency is calling you up is because the creditors have already turned over your matter to them. that means they do not want to deal with you personally for some reason. however, you may still get back to them if you can and let them know that you are interested in dealing with them personally, and do not want collectors in between. see what they have to say.


lrhall41

Submitted by laurel188 on Sat, 02/16/2008 - 03:06

( Posts: 110 | Credits: )


It's doubtful that even if the creditor owns the account that they will recall it just because you don't want to deal with a collection agency. No one wants to deal with one. But you can call and see what they say. If it's charged off they might not even own it anymore.


lrhall41

Submitted by FYI on Sat, 02/16/2008 - 04:26

( Posts: 1950 | Credits: )


with all the problems from collection agencies (and I just received a letter from Arrow on a BestBuy account I co-signed on)can you not qoute Section 805, paragraph (c), stating no further contact by phone or mail per the Fair Debt Collection Act, plus whatever your State law is?


lrhall41

Submitted by on Tue, 02/19/2008 - 15:50

( Posts: | Credits: )