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BoA=FIA?

Date: Tue, 11/24/2009 - 21:31

Submitted by anonymous
on Tue, 11/24/2009 - 21:31

Posts: 202330 Credits: [Donate]

Total Replies: 6


I am confused. Is FIA card services Bank of America or a collection agency or something else?
I am 120 day out since my last payment was able to be paid on $20000 cc. I received a letter from fedex requesting a $500 payment or the whole amount would be due.
Should I make a settlement offer? I plan to offer $4000 (which I have saved :-)
thanks -D


Quote:

Originally Posted by Anonymous
Yes, that's BOA's in house collection agency. I waited to last minute with them. Called them and they offered me 22.5% right off the bat. They are really easy to deal with.



How many days did you wait to deal with them. My account is past due more around 100 days. Should I talk to them now?

thanks


lrhall41

Submitted by on Wed, 11/25/2009 - 11:24

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I would wait. I'm at around 140 days with them. They sent my account to "my state's affiliate". They were very insensitive, and mocking me that I lost my job. I got some great advice earlier today, to stop calling them and to wait.

They did place my account with a CA (Collectcorp) but I sent them a DV, which they received yesteray. BOA still owns my account, and FIA says that they will still work with me. I was told that I have time on my side, let's hope!!!


lrhall41

Submitted by SugarSugar on Wed, 11/25/2009 - 14:35

( Posts: 101 | Credits: )


Guest,
You could talk to them now and see what they say. They called and called and called me. I finally called them back when the lady left a message that they had a way to help me that I might not be aware of and if I did not call by such and such date, they would no longer be able to work with me. I guess it was closer to the 180 mark at that point. Maybe if I called sooner I would have paid less interest. I didn't have to say anything and the nice lady came right out with the 22.5% offer on the card I had for $28k.


lrhall41

Submitted by on Thu, 11/26/2009 - 15:31

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