W&A Collection Attorneys

Did you call them and put your settlement proposal?

What is the status of your account?

Yes i did and currently am. For me they wanted big sum down and very high monthly payments that i could not afford and have taken me to court. Have you asked for validation yet? And what company are they collecting for?

debt collectors will always want more than you offer. They want to get everything in one try. Keep sending your proposal letters along with a money order. You will come to know if they are posting money towards your account. If they don't, you will always have proof of your efforts. And if they don't update your account after receiving your money, you can legally hold them accountable.

I had an account with them back in 2005. They sent me a settlement letter and I accepted it. Well, to make a long story short, I paid them and then I got a letter from another CA saying that they were holding the same account. I explained to them what I had done and they said that W&A had a returned check on me and sent the account to them. How did they have a returned check, I didn't even use a check to pay them. Let alone, the company finally quit calling like 3 months later.

Just as natdust is saying is exactly why i wouldnt and wont settle with them.Google the company and read up on them.My attourney was the one who told me to google them and see all the suits they have against themselves.Glad i did or I may be sending money to the someone who may not even have my account or may not mark it as settled as i have read that they have done many times.Also if you choose to settle I would have it fully validated first, then have it in writing that it is settled as your proof .

They are on the list from Budd Hibbs as one of the worst collection agencies. Go to his web site very informative. KYSIDE38

They are collecting for a MBNA CC I had. It had a $5,000 limit with about $3,500 balance. One month I got a bill and the balance was in excess of $6,000 and I was trying to get to the bottom of it. I told them I am going to stop paying until it was straightend out. This was before the BofA acquisition. After the acquisition it was sent to W&A. What is verification?

debt validation is your right by the fdcpa to ask for proof of amounts said owed. You can ask for the original creditor to be identified if now not owned by original creditor. A breakdown of fees and interest that they may charging .If they are licensed to collect in your state. I got a really good validation from thsi site but not sure how to look it up again but im sure someone else on here will come along and tell you where to look.The people on here have been very helpful to me.Keep in mind though that the fdcpa does not apply to original creditors but if W&A is collecting on it chances are its not with original creditor anymore.