crappy penny on the dollar collector

Date: Tue, 12/16/2008 - 07:33

Submitted by anonymous
on Tue, 12/16/2008 - 07:33

Posts: 202330 Credits: [Donate]

Total Replies: 7

So I got sued by a collection agency that I have found out buys junk debt and goes after people. I decided to contact them to negotiate a payment rather than take it to court. I agreed to pay 3300 on a debt they were asking 3709 for. I posted this a while back and many of you thought I was offering way too much... well I set it up in July to start paying in Sept. I had my hours cut at work so I didn't start paying until about a month later. She sent me an email stating that my new balance was 4125 plus interest.. so I asked her what happened to the 3300 and she said it was null and void because payment wasn't made when it was supposed to be. Keep in mind that this credit limit was originally for 2500. A credit limit I never evem REACHED. I hit maybe 1800 and started having mail rerouted by my psychotic ex. so now i'm not sure what to do. They're charging 2000 more than my credit limit... I understand interest and all that good stuff, but good lord.

Oh, and I never actually SIGNED anything.

lrhall41

Submitted by on Tue, 12/16/2008 - 07:34

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What state are you in? When was the last time you paid on the a

What state are you in? When was the last time you paid on the account? Did you request debt validation?

lrhall41

Submitted by NASCAR_Devil on Tue, 12/16/2008 - 07:36

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You where already sued? So they have a judgment against you? Whe

You where already sued? So they have a judgment against you? Where you ever served court papers on this debt?

Who is the collection agency and who is the attorney for them?
what state do you live in?
How old is this debt,when was the last time you paid on it?

lrhall41

Submitted by on Tue, 12/16/2008 - 07:40

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whataJOKE

Ok, the company is Providence Dane-David Ashe. This is an account that went delinquent in '05. I'm in VA. They did sue but I found out the day BEFORE court- ON ACCIDENT.. that's when I agreed to pay the 3300 amount and they dismissed it. They're being shady about this new amount and I checked this morning on the court website and I saw that they filed another court date that has already passed. AGAIN no one provided information regarding this. It hasn't been updated to show what happened, so i don't know if a judgement was made. I pay bi-weekly..so my last payment was Friday.

lrhall41

Submitted by Indebted on Tue, 12/16/2008 - 10:35

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If they sued you and you did not get notice of this you can have

If they sued you and you did not get notice of this you can have it vacated for improper service.

lrhall41

Submitted by on Tue, 12/16/2008 - 10:41

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Immediately contact the courts over the improper service. Befor

Immediately contact the courts over the improper service. Before they can initiate another suit, get a DV letter out to them asap, certified mail return receipt. Demand to see all documentation that shows how they get the amount owed such as the last statement and also the signed contract that states they can charge you the interest they are.

lrhall41

Submitted by goldenbast on Tue, 12/16/2008 - 10:50

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Just contact the court? Is there specific paperwork I have to fi

Just contact the court? Is there specific paperwork I have to fill out to make this formal?

lrhall41

Submitted by Indebted on Tue, 12/16/2008 - 11:16

( Posts: 34 | Credits: )