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The guy from allied interstate wont listen to me

Date: Thu, 04/26/2007 - 18:08

Submitted by anonymous
on Thu, 04/26/2007 - 18:08

Posts: 202330 Credits: [Donate]

Total Replies: 6


I had a credit card, with a fairly large balance, however I paid them a good chunk all at once a few months ago, since then my income (being self employed) has been minimal, needless to say I missed a few payments on my credit card. Now the debt has been turned over to Allied and I got my first harassing call yesterday. I know I owe this money, but can't pay it all right now, the guy wouldn't even listen to me, he just kept rudely asking me what I was going to do about it, and that it needs to be taken care of in two days. At first he asked me how much of it I had, I told him if I had any I would have sent it already. He asked me how much I could pay, I told him at the moment nothing, but could I maybe set up some sort of payment plan or something. He told me no. He then asked me what my husband thought about this debt, and if he knew about it. He told me I had to call him by the next day and that I had better have an answer for him. I'm afraid to call him because basically I don't have an answer for him. He was totally intimidating me and even went so far as to ask how I got this credit card in the first place. I was sick to my stomach when I hung up with him, and have been near tears just thinking of hearing his voice again. I know he has a right to call and try to collect this debt for the credit card company, but do I have any rights and is it ok for him to be so rude? Any advice would be much appreciated.


Yes, collectors have the right to be rude, abrasive, etc... They cannot, however, call you names, but they can insinuate. That is exactly what happened.

Send a debt validation letter, and a separate letter that limits communications from them to through the mail only. That is your right. Send your letters return receipt, and keep copies. In fact, keep copies of all correspondence between you and the CA.

Dealing with collection agencies through the mail cuts a lot of the crap. Hope this helps.


lrhall41

Submitted by Morningstar on Fri, 04/27/2007 - 03:58

( Posts: 1633 | Credits: )


Mich, do what morningstar suggested. There are examples on this site for debt validation letters and letters to limit communications. Most people here have been in the same situation so we know how you feel.

Also, don't cry or get sick to your stomach over this clown. He is purposely trying to intimidate and humiliate you, trying to shame you into paying. Get what you owe validated and work on a payment plan. They can't have you arrested or anything like that, so don't worry about that.

Call him back and request a debt validation letter first to make sure you are not paying too much. Also send a debt validation letter in the mail, certified. Do not give them any banking or financial information. I'm sure eventually they will accept a payment plan as long as you don't cave to their pressure tactics. Also don't be afraid to hang up on them if they get abusive, you do not have to take those types of insults. Hang in there and listen to the many people on this forum that know what to do and you will be fine.

Cheer up and don't let this guy get you down :)


lrhall41

Submitted by ramj70 on Fri, 04/27/2007 - 05:35

( Posts: 193 | Credits: )


Thanks so much, as a matter of fact I just got another message from the same guy at Allied. He did accuse me of "of course, not calling me back", when actually I did and held for 20 min before hanging up yesterday. Im printing and sending out letters now to stop him from calling and harrassing me and also to validate the debt. This will give me time to figure out what to do. Is it possible to get this debt back to the original credit card company so that I don't have to deal with these people? Just wondering. Thanks again for all your help and support.


lrhall41

Submitted by on Fri, 04/27/2007 - 06:08

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You can always call your credit card company see if they will work with you, but if they have charged it off and sold your account then as far as I know they will not work with you since they charged it off. It would bascially be between you and the debt collector.

Also just to let you know, even after you send the letter for debt validation and cease communication letter they still will probably contact you and harass you. Make sure you write down when they call you and what they tell you. Also if your state allows it, tape any phone conversations with them. That can be used to sue them if they break the rules. Also save all your phone messages from them, those can be used also.

They have to send you something in writing notifying you of the debt and their intent, have they done that yet?


lrhall41

Submitted by ramj70 on Fri, 04/27/2007 - 06:40

( Posts: 193 | Credits: )


Quote:

Yes, collectors have the right to be rude, abrasive, etc... They cannot, however, call you names, but they can insinuate. That is exactly what happened.


Collectors do NOT have the right to be rude or abrasive, nor can they insinuate. You do, however, have the right to polietly hang up the phone.


lrhall41

Submitted by SOAPLADY on Fri, 04/27/2007 - 07:20

( Posts: 17315 | Credits: )