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I, too, have joined the consolidation club!

Date: Fri, 04/07/2006 - 03:31

Submitted by imkimssister
on Fri, 04/07/2006 - 03:31

Posts: 1301 Credits: [Donate]

Total Replies: 4


Cross your fingers for me and hope it goes well. I took the plunge and joined a debt consolidation program for my Dells and wells fargo accounts. I finally put down the sword and decided to give it to others to deal with for me. My first payment is on the 11th of April. I signed up on line and then spoke with them on the phone yesterday. I explained that Oxford has all four of my dell accounts and they are a collection agency. I asked if they have dealt with Oxford before, they said yes and they are usually very cooperative. The guy I spoke to said as bad as he hates to say it, I'm better off dealing with Oxford than I am Dell. I told him that even a Dell recovery special-ist told me this very thing just a couple of days ago. Ironic...Dell will not except any kind of debt consolidation program. As I have posted before, that is partly why I am in this mess, they wouldn't accept me on one when this first started to go bad--if they had, it might not have gotten as bad as it has. So they won't accept you on a program so you have to let the account go into default, let a collection agency get it, and then the collection agency will accept you on the debt consolidation. This is what me and my credit councilor were talking about. To get any help, you have to let the account go in to default. shame shame shame.
(does anyone here watch the tv show 'criminal minds'??? my debt consolidation councilor sounds like that young really smart guy--Dr.Spencer Reed. LOL)


Thanks guys!!! technically, I could go on longer with the 'beat around the bush' validation request tactic because Oxford has not done right, in producing requested validation--and also have not honored my no phone call request. So I could go on longer with them playing the cat and mouse game. But, I'm tired of always worrying about this and whats going to happen next with it. I'm afraid if it stretches out much longer, I may get taken to court and if my husband were to get his wages garnished until these debts were paid off, that would do us in. The debts are mine--I went on a witch hunt and got my own validation from Dell because the accounts still belong to them--and I haven't been able to get Oxford to validate or answer any of my questions. There is one account that is a little off, Dell says its $500 and oxford says its $700 so I am going to fight them on that ASAP.

I just felt it was time to end this. As i said, the debts are mine--that was never a question and I am going to do the right thing in trying to take care of them. I say trying because I don't know yet if they are going to accept the proposal. But for the best interest of my family, i decided it wasn't worth getting sued over. It would kill us and take us back down lower than what we've ever been--(thats pretty low!) and that would be a shame after I've started making some progress in the 'clean up department' on paying things off and getting things cleaned up on our credit report. I could go longer with this, no doubt (and its still not over) but I'm tired of it, and its just not worth the chance of getting sued. (because between Dell and wells fargo, its several thousands of dollars). thanks for your support guys! I will keep you posted on this, as I find things out. hugs, shirley


lrhall41

Submitted by imkimssister on Sat, 04/08/2006 - 23:29

( Posts: 1301 | Credits: )