Whats the difference?

is this account current other than the july payment?if so i would just contact the attorney and say you plan to make good.an attorney collecting has to obey the fdcpa just as a CA
would.hope that helps.

edit:how long have you been paying on this?

Yes, I have only missed this months payment....I can mail it out today but they wont get it until probably Monday? I just dont want to get a suprise in the mail....I always try to make sure I pay them monthly but I forgot until now.....

i would let the attorney know that you plan to make good,i speak from experience.the time it takes to put in a garnishment
it wouldn't make sense.let him know asap though.

ok.....thanks!

Tweety if you have always paid on time and just happened to forget this payment, call the company and explain what happened. I was in a situation such as this at one time, called customer service, explained what happened so they removed the late charge and also removed any record of me being late. They will only do this one time as a courtesy though, at least the clothing company I had a credit card with. It might be worth a try. :)

OK- I just called the company and I spoke to a lady, gave her my name, account number and explained my situation and she said - you cant just call here and tell us WHEN you are going to send in a payment...she wanted a check over the phone. I refused and she kept on yelling at me so I hung up on her....GREAT!!!!!!

Holy crap!! I think I would report her a%$! :shock:

seriously thinking about it.....I'm just going to mail in my payment today and take my chances.......she was a real -itch!

My gosh, what the heck has happened to the customer service reps anymore, are any of them freakin human?????? :x

I don't understand why an attorney would contact you for this card, when July isn't even over yet, well, it will be tomorrow, but still..

When they contacted you a couple of months ago, was it for the same card? I haven't had attorneys' contact me, except when it was turned over to the collections, or I was really late, like 3 months. I think I would check into that one with the store, just keep calling someone until you get a nice one!..karen

i saw tweedy's first post,i thought she was paying the attorney
not the store.

:oops: oops, guess you are right :lol:

Ditto Paul. Sounds like the account went to an "attorney" - probably more like a DJB "attorney." To have the rep go off on the OP who is taking a proactive stance is just crazy!

I would just send in the payment like you normally do and then if you see a fee hit call them up and dispute it. You may or may not have luck getting them to remove the fee.

D & S - this account is not with the OC, it is with a JDB attorney. She had an agreement to make payments and will be a couple of days late. She just wants to make sure that they won't start a law suit.

Even if its a JDB I would still make the payment via mail per your agreement even if it is a couple days late and then wait for their reaction. It is obvious that they are worthless on the phone so that seems to be the only option here. I suspect it will just go through like normal but you never know with those bozos.

Post Violates TOS.Cajunbulldog

Moderator the last 3 post by "GUEST" needs to be deleted for profanity and unkind remarks about others.