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HELP!!

Date: Wed, 12/17/2008 - 10:41

Submitted by anonymous
on Wed, 12/17/2008 - 10:41

Posts: 202330 Credits: [Donate]

Total Replies: 4


ok..my husbands card was behind so it was sent into collections with A.R.M. they called and got me (im not the cardholder but i am his wife) and i thoguht is was the cc company! they offered to settle and i figured ok.. they tried to set up a 3 month plan but i said the monthly pymt was too high he said well for now we'l just SAY thats it and you'll see what u can do". i figured ok.. seemed lax and i figured it wasn't set "we'll see.. for now" & i also thought it was the cc co! they said when u start making pymts will u use your checking i said yes i had already made via phone , checking acct pymts to the cc company so i said yes and gave them the info!!!!!!! i thought they just didnt have it up on the screen or wanted to valaidate it since i thought they had it alread being the cc. well they began to do pre autho. debts from our acct!!!! we had to block them! they call and call saying i have agreed to this and they have me on a call log ( they do i heard it) i now realized it was a collection agency and my cc compaany did verufy yes, it was sent to themand gave me their # so it is with them , not sure bought or just working for the credit card?.. but im not the card holder.. can they hold my husband to MY dumb "agreement" if they never spoke to him? we can't afford to pay them and they wont settle for what we can pay! we owe like 11k on his card! 3rd party managments want 3500 to help and negotiate with them but they seem all fake and unsafe.. do i just wait to be sued? we cant just throw any small amt of $ to the collectors b/c the debt is so high they'll justtake it and still come atter us and we cant afford what they want.
now what????


oh yah, we already blocked them from our checkign and removed out $ just incase they freeze or place a judgement on it to protect the little money we have to pay our mortgage! and we are in NY if that helps


lrhall41

Submitted by on Wed, 12/17/2008 - 10:44

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Sounds illegal to me. If the credit card is in your husbands name and you have no rights to the card they where not allowed to take information from you to pay his bill.

Someone else should chime in and correct me if I am wrong but you might be able to sue them for strong arming you.


lrhall41

Submitted by on Wed, 12/17/2008 - 11:22

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they did say this is so and so from "accounts recievable managent re your cc" but i thought that was a debt of his credit card co the acct rec'v debt! but it wasn't its A.R.M they don't have to say this is a collection agency all they have to say is the name of their co.. lucky for them it just happens to be a name that sounds like its a debt of a co. you trust!
on my husbands credit card i am NOT the caldholder BUT he did once get on the phone when i was trying to lower is apr last year and say yes she has permission to talk to you, ask questions and get information but it was never discussed that i'd have the right to make any agreements for him w/ a collection agency!!! that would seem a bit too much but at that time we had no issues with collections. we were in good standing credit. basically they got ME am im his wife and i was speaking for him trying to help US but i agee im not sure they have the right to do what they did with any information i gave.. but i did give it =/ so im not sure..
either way they can still sue him for the debt and disregard my "agreement" im sure but im not sure if they will.. at this point i will justsay i am NOT the cardholder do not call me this is NOT MY matter & i cannot speak for my husband and hang up i do wish i can sue for what they did so we can get out of this but im sure they have their ground covered! =(


lrhall41

Submitted by on Wed, 12/17/2008 - 11:43

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