Washington Mutal CC

Date: Mon, 08/23/2010 - 16:52

Submitted by anonymous
on Mon, 08/23/2010 - 16:52

Posts: 202330 Credits: [Donate]

Total Replies: 5

I am in need of some advice. My boyfriend has a credit card with Washington Mutal (Chase), he has had this card for 6 yrs +. He lost his house and has been having troubles with this card.He owes $4,500. He has been making small payments, but they closed the account and sent it to collections. I just got the letter from the collection company friday, and received a call from them friday. For one they spoke to me about the debt and we are not married, second they told me they spoke to my boyfriend which they had not. So they offered me a settlement of $2,000 and wanted it payed right then, when I tried to tell them I could do so but not till the end of sept the manager on the line got realy rude, told me if I would pay my bills I would not be in this spot. Told me either I pay now or else. I told him I have rights and his treatment was wrong. He then started telling me he was going to tell his cleint we were refusing to pay, I told him no we are not but can not afford to do so till next month. He then demanded to know where I would be getting my money from. At this point I asked for a manager. He then put my call back in the collection que. I need some advise on where to go from here. This was crazy. He would not even give me time to think.

What steps do I need to take now?
Any help is greatly needed. I am getting scared

You have not mentioned the CAs' name. I think the account is not

You have not mentioned the CAs' name. I think the account is not sold to the CA but has been assigned to them. If the CA threatened and cursed you (as you have written), then they have violated FDCPA rules. You can file cases against them with the FTC for this. I think you can contact WAMU and ask them if your account has been assigned to this CA.

Anyhow, you can tell them about your position and also state that you all are really interested to pay off the debt. In any case, if the CA is eligible to collect your debt, you have to pay the debt.

lrhall41

Submitted by paulcahill80 on Mon, 08/23/2010 - 17:01

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The company that called me is National Establishment systems. NE

The company that called me is National Establishment systems. NES. Very rude. Kept telling me I should have paid for what I used. I dont mind paying it and is more than willing to do so, but what to work out payments, but everytime I tried they kept saying I was refusing to pay

lrhall41

Submitted by on Mon, 08/23/2010 - 19:03

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one other thing, the letter I got is dated 8/15/2010 and it stat

one other thing, the letter I got is dated 8/15/2010 and it states I have 30 days to disput, doesnt this mean until 9/14/2010 they can not proced? Can someone give me information on possible timelines. I am trying to dig up as much money as I can.

lrhall41

Submitted by on Tue, 08/24/2010 - 11:55

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Send them a DV letter. There's a template on this forum in the

Send them a DV letter. There's a template on this forum in the DIY section. If they disclosed info to you without your bf's permission, they are in violation.

lrhall41

Submitted by OhioGal1 on Tue, 08/24/2010 - 12:00

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You have 30 days time to dispute a debt from the day you receive

You have 30 days time to dispute a debt from the day you receive the collection letter. I'ld suggest you to send them a DV letter via CMRRR immediately. As per FDCPA, the debt collector can't collect on the debt till they validate it. So, it will give you time to arrange for the payment if the debt is validated.

lrhall41

Submitted by paulcahill80 on Tue, 08/24/2010 - 12:01

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