Original Creditor Accepting $
Date: Sat, 03/22/2008 - 07:48
So, first... the DV letter -- I do intend to write this week and send it out, though I am afraid this may actually PROMPT them to sue.
Secondly, I also contacted the original creditor, who still owns my debt (keep in mind I'd only missed 2 payments before they sent this to the 'law firm'). They still tell me they sent this account to J&E, not Rannefeld & Assoc. Nonetheless, I told them I wanted to make my usual minimum payment... the person on the other line did not react strangely and actually accepted the payment per usual. If they are getting ready to litigate this matter, one would think they wouldn't take a minimum payment on the account.
Additionally, this account is now enrolled in CCCS and I will be paying a decent sum of $ every month to them. I stuck with CCCS because the interest rate will be visibly reduced and the payment is a wee bit smaller than if I paid them directly... at interest of 29%.
I could be wrong, but will they seriously still take someone to court who is paying the original creditor every month?? They are still accepting payments from me!! Would it not look ridiculous to go to court and say "she missed two payments, is now paying regularly through CCCS, but uh, we're suing her for the full amount anyway"??
What does everyone think?
No! They made no mention of anything regarding the account even
No! They made no mention of anything regarding the account even being in collections or anything. They accepted the payment over the phone with no issue or flinch!
Your creditor will usually always accept payment if they still o
Your creditor will usually always accept payment if they still own the account. Depending on what type of account it is and the contract with the collections agency it will or will not be removed from them.
Did you ask the creditor about the collection agency?
I currently have a cc company that is doing the same thing. I ha
I currently have a cc company that is doing the same thing. I have just had a baby and have some dr bills that are in collections due to me not working. Do you have an idea of a debt company that will accept dr bills?
i agree with Fyi and think your creditor will never be the purve
i agree with Fyi and think your creditor will never be the purveyor of bad news like.."We are accepting your payment but will also be suing you eventually!"....I think creditors' accept payments regardless of if they actually own account or not!.....but am only relying on info from the wonderful people on this site..validate ..and good luck nat!!! medical bills and divorce are the number one reason people see their credit go down the drain!
I've never personally handled dr bills in collections other than
I've never personally handled dr bills in collections other than my own. What I mean by that is that I've never collected on them. I just started mailing payments to the hospital when I was able to do so until they told me it was paid.
cccs
saxwoman sounds like to me you are making a very big mistake by staying in the cccs program one thing that is usually true is that there is no way your interest rate will be reduced and yes the original credit will apply whatever you send to the balance but with interest attorney fees and court cost it really doesnt help you in the long term. Hate to say this but sounds like to you need to get a little more education in regards to debt cccs companies do not have the ability to change your interest rate and payments will not keep you out of court cccs dont own debts all they do is suck you dry and take your money and will tell your that the creditor is accepting payment which is true but are they reducing your interest no they miss payments just like you did having been on both sides your being hustled Ive worked with a cccs company and thats how they made money by telling lies and false promises they prey on your weakness to handle your bills and yes many creditors have filed lawsuits against people that are sending payments once the contract is breached usually per the terms the bif is due no matter what you send or offer cccs is not the way to go will cost your more in the long time ive had clients when I was with cccs make payments for 6 years and at the end owed more then they started with happens all the time and every day. CCCS are the biggest scanvengers out there
Damn, troll! Ain't it about time for your medication?
Damn, troll! Ain't it about time for your medication? 
cccs fraud
saxwoman you might want check out this page will be good info for consumeraffairs.com and look up cccs complaints
If anyone decided to go into a debt management program it is alw
If anyone decided to go into a debt management program it is always a good idea to research any company you choose. While there are some good companies out there there are twice as many that are bad.
lie
there are no good cccs companies everything they tell you can be done without there help if its even possible to due at all such as lowering interest one thing you need to understand is the original contract supercedes all divorce decrees and everthing other verbal arragement when you default they have the right to demand balance in full without notice
??
yes
you cant be serious unclewolf you might need to consult an attorney. I am simply stating the fact that divorce decree is only good betwen the parties that are involved and have signed if decree says ex is to pay doesnt overide the creditors right to sue both parties or collect on the debt. Both parties would still be liable if they are on the original contract or are in community property states. Decree just mean you could pay to clear your name and sue ex if the judge ordered them to pay.
