fair collection

I know collectors are allowed to add their fees if it is mentioned in the contract which you signed with the original company. Besides, collection companies are regulated by the attorney general's office. You need to call the AG of your state and know if the CA is a licensed business in your state and their permissible fees.

Since the debt is legitimate, you may call the original company and work out payment arrangements with them. If it's taken care of, you won't have to deal with the CA

Read the FDCPA for knowing about your legal rights while dealing with the CA. This will help you in standing as an informed consumer.

Find your contract and read it.If collection fees are allowed then you will be on the hook for them.Contact the original creditor for details on how your account is being handled.

I agree call the original creditor and maybe you can work something out with them.

I understand in the terms of agreement i may be liable for collection after i become deliquent. But if i was unaware of any remaining balance past due and the only attempt of notifying me was through the internet , technically would i be considered deliquent if i was unaware of the balance and should he be allowed to tack on addition collection fees after only sending an email. I dont think that it is a fair creditor collection if the only notification was email, "what if i discontinued my internet service and was unable to check my email.. etc". I know that every individual needs to keep a legal mailing address but now we are obligated to check email for official business? I have offered to pay the small fee that i he has charged me for not cancelling prior to the billing cycle but when i asked him to waive the collection fee he said " i would have to discuss that with the agency handling the claim". I spoke with this agency and they said the additional fee is being charged by the vendor not by the collection agency. The collection fee is triple the charge of the actual balance. I could easily afford to pay for this but i just think its unproffesional to use email as the only source of collection, i feel that its unfair to deem someone deliquent because they arnt at a computer on a daily basis. All it would of taken is simple letter asking for this hiddin cost that was in the terms of service.
Recently i have contacted the F.T.C , BBB , and today i will be contacting the nyscpa for info regarding legal creditor collections. Please let me know how u feel about collection services that are only by email.

what you need to find out is where the unpaid balance came from. Read your contract, it should be clear on exactly what you will be charged. it is possible that they are trying to charge you money you dont even owe to begin with....before you pay them, you should find out why you had an unpaid balance to start with.