Should I pay CA with personal Ck or Money Order

Money Order
Money Order
Money Order
Money Order
Money Order

Yes I put that on there multiple times! :wink: And make a copy of the money order before you send it AND send it with some tracking mechanism.

I wouldn't trusst them with any checking account! I only pay with money order, no matter what they say.

I had one tell me it had to be by check, and I said, wait a minute while I write this down- after a pause she told me I could pay by money order..KAren

Never used money orders before how do you know that they received and deposited them. do you get any other record other than the copy...

send them certified mail return receipt. Plus I think money orders can be tracked if they claim they never got it or whatnot.

Exactly! And make a copy of the money order and save the money order receipt. Also, send certified.

I know this seems like a lot of trouble, but I can tell you that its not half as much trouble as having these jokers with the tools to access your checking account.

If you send it certified, return receipt, you will have proof that they received it. You can also track it if you need to.

What I have done is what vollyball suggested, make a copy of it, anlon with a note that you are sending a money order for xx dollars-try to put the money order at the bottom of the note when you make a copy..KAren

Hmm yeah, write a cover letter with it too stating the enclosed money order, the amount, and even the number of the money order...let them try to squiggle out of that one.

If a company insists on a check then agree and send a cashiers check. I would not send a personal check.

thanks for all the advice

The only reason I can think of that a CA would demand payment by check (or credit/debit card) is so they can blithely go into your account and take out whatever they feel they deserve. Seriously, there is absolutely no reason NOT to accept a money order...it is a guaranteed form of payment.

Oh I agree with you. Sometimes though after arguing with them for a while it is just easier to agree to the check. They are expecting a personal check but what they get instead is a cashiers check. They can't say anything, though they try, because I never specified that I would send a personal check.

That is true..and besides it is always fun to outwit a CA in that fashion..."*sigh* fine..I will send you a check" so..greedy CA rubs hands together anticipating a big payday..only to be left holding a cashier's check...hehe, I like that too.:)

Goldenblast, have you ever had a collection agency pilfer your checking account?

I'd use a money order myself just cuz i don't trust anyone with my personal checking acct info! but taht's just me. ANd if u get the MO from the post office it can be traced back!
Ang

Actually..yeah I have. For a couple hundred dollars.

What agency? I still have something out there that is years old that i am working on making a one time payment to with the stipulation that it does not get rereported on my CBR. It's been off for a few years now.

Send a certified check from a bank or credit union to be on the safe side. I am such a paranoid person now days I don't want anyone to know my account numbers or where I bank.

ladybug

I do my best to not write checks. But I have let some collection agencies before use my information, even ones that are widely complained about here and never had a single problem. I guess I got lucky with some nice collectors.

My hubby did that also once and he gave the CA our household acct number and let them draft automatically monthly for a few months till it was paid off! Luckily it worked out fine but now after reading all these stories i wud NEVER do that!! And maybe it's just me but i seem to see a lot of times when this happens it's from pdl's.... maybe i'm way off base but that's what i have noticed! But these days i don't even pay my credit card with my checking acct... i just get a money order and send it... i dont' trust anyoen with my info anymore after this site! call me paranoid!
Ang

I let Asset Acceptance do mine. They were nothing but professional and polite to me the entire time. Gave me a very reasonable settlement on 2 accounts. One was completely off of my credit report and they did not put it back on there and another was still on and they reported it as PAID and did not reage it so that it would stay on there for another 7 years.

I dont actually remember who hubby did this with, it was medical bill but thank goodness it all worked out fine!
Ang

I don't recall who it was, it was more then 13 years ago, but they were awful, horrible company. They scared the crap out of me way back when I was a single mother just scraping by...the jerks told me they would have my children taken away by social service, as a matter of fact I did get investigated, someone made anonymous allegations of child abuse. It happened just days after the call where they threatened it so I bet it was them....so I gave them my account info for them to take out payments but they took out the whole thing. I SO wish I knew then what I know now.