debt collector will not allow payment arrangements

Have you sent a validation letter to the agency yet?

Stick to your guns. They will accept your proposals if you keep re-negotiating. After all they get their commissions paid from payments of the consumers. If they don't manage to recover the debt, it leaves a bad impression about their business and they don????????t want to send the file back to the original creditor as uncollected.

Do NOT deal with these CA's on the telephone. Handle all contact with them in writing only. This is extremely important. Send a "Cease and Desist" letter to stop their calls, then send your proposal to them in writing and include the first payment (according to your terms) with the proposal letter as a show of good faith. If they accept and cash the check (or money order), they they have in effect accepted your proposal. If they try to take you to court, you will be able to show the judge that you have been making regular payments, which they have been accepting and it will look much better for you. They are in this to get as much money out of you as they can as quickly as possible - they don't care where it comes from or if you and your family are left hungry or homeless. You know what you can afford, spell it out for them then make payments as you have promised (that you can afford). Most will accept those terms - but be sure to tell them not to contact you via telephone, you want everything in writing.

they told me they were gonna press charges against me for stolden property but i did not steal them i just could not make the payment due to i got laid off at work and i did tell them that and now i contacted them to make payments and they are being rude.

Threatening to arrest someone is illegal.Go to your local police station & file a criminal complaint with everything you remember for harassment & extortion.

Rude Comments Deleted!Cajunbulldog

Cajun is right--and also start a file spelling out every contact with them, dates, times, names, etc. This will help in your complaint.

What collection agency is this?

Rude Comments Deleted.Cajunbulldog

He's saying he is trying to make payment arrangements genius, he never said he wasn't trying to pay the debt. Also he has every right to make payment arrangements unless you can show that he is not allowed by law. Also there are laws against excessive penalties and interests also. Since the OP did not state all that information you are just assuming, gee what a surprise.

He IS honoring the contract, Einstein--and if he wasn't, he wouldn't have been trying to make good faith efforts to pay it, right? Give me a break!!!

Pay your bills,if you ever make an attempt to hold a written conversation like an adult without belittling someone here,you may get a post that stands.Until then I will remove anything offending.

:lol: @ the Pay Your Bills troll.

I have never dealt with a creditor, or collector, that refused a payment arrangement! They have refused certain arrangements, but never all arrangements.

Props that you're staying strong and I actually like the idea of cease and desist with a check included. That'll shut em up!

Cajun,
Thanks for being our bouncer and getting rid of the trash here. I promise I will do the same on the boards I moderate! It's bad enough being in debt but the last thing we need is for some idiot to make a living out of insulting us.

kscornell,I appreciate the thanks.I am fed up with the rude and harassing comments.I have decided to heavily moderate my assigned boards until posters understand that debates can be carried on without attacks.I am like you in the thought that persons in debt are stressed enough without having to put up with this garbage that is on our board.

That is true--this is the one place we can go where we are not judged or have to deal with harassing, rude comments that you would get on the phone--and I want to keep it that way! We need to come here to start recovering.

Rude Comments Deleted! Cajunbulldog

Guest,
If you can't control yourself and keep from making rude, insulting comments, I am going to ask Mike to have your IP address banned.
This board is not about making people feel worse about themselves, because I am here to tell you, being in debt sucks enough. We don't need judgemental crap like what you are dishing out here.
If you have something constructive to say to me or anyone else, fine--and guess what, you can even disagree, since we do it all of the time here, but what you may not do is bash anyone or make sarcastic comments. Not here.

Guest, I need to inform you that you will be reported to your Internet Service Provider for violating federal internet laws, recently signed by President Bush. Visiting a site, to be an annoyance has criminal charges if prosecuted, and begins by your internet provider dropping service to you. This is a privately funded site, which means freedom of speech is limited to friendly and helpful comments, not harassing ones. No joke.

Which way is it, Guest? If, as you say, there is "no more contract" then I really shouldn't care what's written in the contract, should I? Or do you mean that some parts of the contract (the parts you like) remain in force, while the rest (the parts that protect me) disappear? And what if the contract doesn't have an acceleration clause? Do I owe the full amount (as you claim) or just the payments I missed?

Why don't you check with those D.A.'s that, at least according to every collector I ever dealt with, have absolutely nothing better to do than go out and prosecute people over a $300 payday loan?

Meanwhile, I say this . . . if a collector is too dumb to realize that something is better than nothing and accept a payment plan, that's his tough luck. If you can afford to make payments than just save that money up and pay it off when YOU are ready. If they sue you, so what? The judge isn't going to order you to pay more than you owe (unless you committed REAL fraud, not the "fraud" collectors claim you committed)If you've been saving as I suggest, you'll probably have enough to make that payment by the time you get a court date.

Fine. I agree that your posters can be as sarcastic as they want in their posts, and I'm not allowed to use sarcasm, or I might hurt some feelings. I'm giving you a chance to learn from your "enemy", (even though a collection agency might very well be your last chance to avoid legal action, by setting up a payment plan), and the only thing, like most people in debt do, they take what I say, and instead of following my advice, they make it a personal issue, like I'm hurting their feelings, and I'm such a meanie for telling them they have to pay their bills, like everybody else has to, including me. I'd love to field any questions about how collections really works, instead watching good people who are in debt, follow the cruddy advice I've seen you guys giving in this forum. Your advice keeps them in debt, and gets them into legal trouble, (cease and desists, telling them that they can send in whatever they want, and a company has to accept it as a payment plan). I hear it all the time on the phone. People in debt listening to people like you and others on here, like what you have done has kept you out of financial trouble with collection agencies. People get embarrassed about their debt, they get scared, and they think if they sweep it under the rug, it will go away. I see it everyday, and it's sad to think people on here take your advice, and they think they'll be fine. You, and others like you in this forum, are causing more damage to these people finacially, and all you're worried about is hurt feelings. Very sad.

And if your information is so stellar, how come you haven't registered as a member of the boards? Still hiding behind the guest title? If you really want to step up and help, not bash and belittle, then I invite you to register. Untill then, I am taking what you say with a grain of salt.

Don't worry. collection agencies are idiots and can't ruin your life.

No guest, you are just upset that people on this forum tell people what their rights are and they have the right to have a debt validated to make sure what they are paying is indeed the legal amount. They also have the right to send a cease and desist letter if necessary. Sounds to me you really haven't read the fdcpa.

Your right pay your bills, CA's can't ruin your lives unless you allow them to. You CA's prey on the uninformed and those who do not know any better. You are the typical bullies who prey on the weak. Some of us can't be bullied anymore.

Let me tell you what some of our members have gone through at the hands of collectors who were "trying to help them pay their bills": one member was so convinced that she was going to be put in jail due to defaulting on a $300 PDL that she sent her baby away; many members are ROUTINELY threatened with arrest for PDL defaults--and DEFAULTING ON A PDL IS NOT CRIMINAL Mr. Collector, you should know that, the laws can be found on your state goverment website. If you're in California it's on the Dept of Corporations website. Another member had a collector actually call his boss and tell him he was quitting his job! Now guest, let's think about this one, OK? If our member has no job, then there's no money coming in right? So noone, least of all you, are going to get paid!
So what you have a problem with is our members educating themselves so they don't swallow the lies and falsehoods that they are subjected to on a daily basis by collectors.
If a collector is professional and really wants to work with a debtor, that's fine. But we will not take examples of the harassment I have mentioned anymore.

Which way is it, Guest? If, as you say, there is "no more contract" then I really shouldn't care what's written in the contract, should I? Or do you mean that some parts of the contract (the parts you like) remain in force, while the rest (the parts that protect me) disappear? And what if the contract doesn't have an acceleration clause? Do I owe the full amount (as you claim) or just the payments I missed?
Fair questions. When you break a contract by not paying your bill, then no, the contract probably won't work in your favor from that point on. And, really, why should it? What I was trying to say, is that the contract isn't dissolved, but it then goes to the steps in the contract, should you (the debtor) fail to comply with the payment arrangements, while the debt was still in good standing.

Why don't you check with those D.A.'s that, at least according to every collector I ever dealt with, have absolutely nothing better to do than go out and prosecute people over a $300 payday loan?
I collect on debts that are $10,000 plus. I doubt any company would spend the money on attorneys, to sue someone for $300. But if all you owe is $300, why would you want a hit on your credit report, for that kind of chicken scratch? Who do you think really loses, if you don't pay that $300?

Meanwhile, I say this . . . if a collector is too dumb to realize that something is better than nothing and accept a payment plan, that's his tough luck. If you can afford to make payments than just save that money up and pay it off when YOU are ready. If they sue you, so what? The judge isn't going to order you to pay more than you owe (unless you committed REAL fraud, not the "fraud" collectors claim you committed)If you've been saving as I suggest, you'll probably have enough to make that payment by the time you get a court date.
Wow. That's all I can say is wow. When a judge finds against you, in a case where you promised in a contract to pay the complete balance in one payment, should the account go into collections, you will have to pay court costs, your attorney, late fees, interest, all on top of the original debt. Does that sound like a good path to choose, or should you buckle down, pay the debt you know you owe, fix your credit, get no more calls from bill collectors, and be done with the issue. It doesn't matter one iota to me if you pay. It's your debt, not mine. I'll go onto the other hundreds of people I have to call that day, and I'll help them. I have no problem with sending your account to legal on an $8000 debt. Meanwhile, when you finally save up the $8000 to pay off the principle, you'll now notice your debt is at around $15,000 (late fees, refusals to pay on arrangement the CLIENT sets up, NOT your), and you'll then face the possibility of legal. The ball is in your court.

Guest,
A $300 debt is the average amount of a Payday Loan--and trust me, most PDL companies don't report to a credit bureau but to Teletrak, which is an outfit that's used just by PDL companies.
If these PDL places did report, their shady tactics would be exposed.
And if an online PDL place was dumb enough to bring a case for a 300 pdl against a customer in a state where they aren't even licensed to do business, especially an offshore business, well you can guess what would happen.

Guest,
A $300 debt is the average amount of a Payday Loan--and trust me, most PDL companies don't report to a credit bureau but to Teletrak, which is an outfit that's used just by PDL companies.
If these PDL places did report, their shady tactics would be exposed.
And if an online PDL place was dumb enough to bring a case for a 300 pdl against a customer in a state where they aren't even licensed to do business, especially an offshore business, well you can guess what would happen.
I agree. I've collected on sub-prime, prime auto loans, and I currently collect on large credit card debts, both personal and business. I didn't even know what a PDL was when I read it here, but now I do. Yeah. Those businesses are shady to begin with.

And if your information is so stellar, how come you haven't registered as a member of the boards? Still hiding behind the guest title? If you really want to step up and help, not bash and belittle, then I invite you to register. Untill then, I am taking what you say with a grain of salt.

Because it looks like if I register here, I'm going to get a flood of emails from this site, trying to get me to sign up for their debt consolidation plans, which a complete scams. You wanna talk about scams, this whole debt consolidation thing has cause more heart ache, than any collection agency ever could. But, whatever. I'll sign up on here, if that will add to my credibility, (like it should even make a difference, anyways.)

There. Now I'm registered. How's that?

You may get one or two emails from a debt consolidation company that this site matched you with. You can just ignore them and they won't keep sending. Other than that, the only emails you will get is computer-generated ones that let you know someone replied to your post. If you don't like those, you can turn them off in your profile options.

And the sky is blue, the sun is bright. Got any other useful information for us, genius??

OTST!!!!

Doesn't matter to me whether you signed up or not, Checkbook. I haven't come across too many collectors that have any credibility. I'm still waiting for the police to show up and arrest me like so many of your colleagues promised they would back when I had a debt problem of my own.

Quote:

I will repeat myself again.Keep debate on topic without personal/rude comments or I delete it period! If I see a poster is causing problems and will not listen to reason,you will be banned!

Checkbook,
I am glad you registered, but as Cajun said, we have had enough of rude comments here. So post away, but be helpful, OK?
I understand you weren't familiar with PDL's, which is what most of us have or have had here, but what do you think of the situations I wrote about previously? Is it OK for a collector to threaten arrest and scare someone enough to send their baby away--all for $300? Would you call a person's job to say they had quit, all for $300? Is this accepted practice? Just asking...

Is it OK for a collector to threaten arrest and scare someone enough to send their baby away--all for $300? Would you call a person's job to say they had quit, all for $300? Is this accepted practice? Just asking...

Obviously it's wrong to threaten with imprisonment. But, honestly, kscornell, you're asking me to explain the actions of another human being, is pointless. I don't do it, I've never seen anybody at my office do it, and if they did, I swear they would be fired. Imagine if I asked you to explain every person's wrong doings at your job. It would be impossible for you to do, just like it's impossible for me.

See Checkbook, this is what I'm getting at:
You are saying pay your bills irregardless of whether you owe them really or not and the collector has the upper hand. I am showing you what really happens to our members in the PDL world and you can't condone the actions of another collector? So this is not accepted practice then? Kind of shoots holes in your theory, right? That everyone who owes money is sleazy and is trying to get out of it?