Debt doctor--want a good laugh?

Has the account been placed with an outside collection agency?

Yes it has..the name of the company is Accounts Receivable Technologies. The funny thing is that I even contacted Debt Doctor telling them I am with T & C!

They're goign to have to validate that debt and let you know how they come up with THAT figure. Morons..lol They're trying to pull one over on you. That's how these animals make money.

Maybe, Debt Doctor has not pulled your file back from ART. T&C is working out arrangements with Debt Doctor and ART is not aware about the latest actions. Get in touch with the lending company and explain the situation. They will ask ART to stop contacting you. You can also take the help of your consultant in this regard.

Well I just wrote the collection agency a "nice" letter, as nice as I could be and told them I borrowed only $200.00 from Debt Doctor and that plus my finance charge is all they are getting back. I have the phone number to debt doctor and I am leaving them a message (b/c they are on vacation) and telling them that if they want their measley $260.00, i will pay it just to get this off my back. But I am not paying 8 times the amount!

Nor should you have to. I would definitely follow Jessi's advice and have it validated. They act like anyone that is in debt is stupid and wouldn't pay attention to something like that---WRONG!

I played the game with Debt Doctor. I had them consolidated with T&C and every payment T&C sent to them, they were returned do to no known address. I have dropped them from the program. What address do you have for debt doctor risapol?

Also, I forgot to add that they had AR Tech try to collect and when I sent them a debt validation letter, they sent it back. Then United Legal got the account and called and did their famous speel and I hit them with a debt validation. All I got from them was to pay the debt to them only by Western Union or Money Gram. As I stated above, T&C tried to pay them and the payments were returned for address unknown.

Since this has been placed with a CA, I would contact your counselor at T & C and let them know about the situation as well. I had one loan go to a CA and T &C made arrangments with them, and I had made better arrangements with the CA after I kept getting letters from them. They were able to knock off the outrageous fees the orginal creditor kept putting on the account. Also, send the CA a debt validation request per the fdcpa laws. I would send it certified mail with return receipt requested. This way you will have proof that they received the letter. They must also validate the debt before any further collection activity can continue on the account. It amazes me that they have added $1400 onto the debt, it seems ridiculous to me. I have never dealt with Debt Doctor myself so I am not familiar with their tactics but you have to keep a close eye on your accounts listed with T & C.

What is T & C?

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