Contact collection agency even if can't pay?
Date: Thu, 01/22/2009 - 12:30
I'm trying to avoid them calling family, neighbors and wonder if I send them that info even though they have it, if it would prevent them from calling other people since I "officially" made sure they had my correct contact info.
I've settled some already but can't do them all at once, need more time to save up money. Especially for a couple of them that have a balance of $11,000+ and almost $13,000. So it is worse to just ignore them or at least contact them and tell them I want to work something out but just can't right now?
Have you asked them for which debt they are calling for? If not
Have you asked them for which debt they are calling for? If not then ask them. Once you get the answer send them a debt validation letter.
If I were you then I would have gone for debt settlement with a reputed debt settlement company having a good BBB rating and customer response.
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I was working with Century Negotiations since last May but just
I was working with Century Negotiations since last May but just decided to go on my own to save the fees they would be charging me for the next 11 months if I had stayed in.
I guess what I'm wondering is can collection companies still call neighbors and family under the guise of trying to locate you even if you have personally provided them your contact info? Would they be breaking the law by doing this?
I already know they all have my address and phone number because I have a letter from each and have received calls from each. I just haven't returned them. I would like to know if it makes sense to send them a letter via certified mail saying here is my address and phone number if you need to contact me, do not contact any friends or neighbors for this info.
No, once you have verified your contact information they can NOT
No, once you have verified your contact information they can NOT contact anyone else regarding this matter, at all. Send the DV letter, be sure to include your current contact information and any contact instructions (such as no phone calls, restricted to postal mailings only, etc.) Send this letter certified mail return reciept requested so you have proof of this.
Once that is done if they call anyone else, they have violated.
on your question of whether or not to stay in contact with them
on your question of whether or not to stay in contact with them even if you can't pay, I would think that yes, staying in touch with them would let them know that you are alive and aware of the debt, that you are not hiding from them. That's my opinion anyway!
