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Two CAs collecting on the same account - who should I pay?

Date: Mon, 01/11/2010 - 17:22

Submitted by scarecrowwinces
on Mon, 01/11/2010 - 17:22

Posts: 34 Credits: [Donate]

Total Replies: 6


I signed a contract in December with Zwicker to pay my AmericanExpress account over 24 months. I gave them my bank account number for auto ACH withdrawals and they withdrew the first payment in December. I breathed a sigh of relief because I believed they were about to sue me (I was sued by American Express on another card a few months prior and I didn't want to go through that again).

But - now NCO started calling me last week declaring that THEY are authorized to collect on this account. They claim that as of January 4th they 'received my file in their office' and they claim if the prior collection agency continues to take payments from me they are acting illegally.

I called AmEx twice Friday. Both times they stated that they turned the account over to United Recovery on Sept 8, 2009. But that conflicts with letters I received from AmericanExpress dated early 9/8/09 and 10/5/09, which stated that the account was with Zwicker and urged me to make payment arrangements with Zwicker.

Next I called Zwicker and they did not relinquish their claim immediately, even though I told them that I had spoken to American Express. They said they are checking into it and will call me back tomorrow.

The worst thing is that I have gotten conflicting advice from AmEx. The first phone call they said that NCO has the account. The 2nd time I called they said that I should not miss a payment to Zwicker until Zwicker drops it. I asked them - can't you call Zwicker and tell them to stop collecting from me? they said NO, that I have to work with Zwicker myself.

I think I need an attorney :mad:

For sure I need an adult beverage :?

Anyone have advice to give on what to do when 2 CAs both claim to have the debt? I mean, I could ask for a debt validation letter but tomorrow AmEx could assign it to someone else......so what good is a DV letter in this case?

Help!


I'd have asked validation from both of them. It may be the case that Amex has only assigned the debt to these collection agencies. Hence, it's changed hands. But you need to make sure that you're paying the right party and the debt wouldn't come back in the future to haunt you. Get everything in writing from the CA.


lrhall41

Submitted by SC on Mon, 01/11/2010 - 20:16

( Posts: 3937 | Credits: )


I would love to stop paying Zwicker but how do I do that? I set up automatic payments to be deducted from my bank account. I've heard those are hard to stop. If Zwicker persists this is going to be tough.


lrhall41

Submitted by scarecrowwinces on Tue, 01/12/2010 - 06:41

( Posts: 34 | Credits: )