collection calls

The same thing has happened to me! I am getting worried also that i haven't heard anything in awhile. I'm actually in a place now where I am working and have payment arrangements worked out with most and able to pay my bills but their are two CA's that I haven't heard from in awhile with their constant calling.

I'd check my credit reports to see if they have reported it. If so, they may leave you alone for awhile. If not, it may be in the process of being turned over to a different collection agency. At any rate, find out if its on your credit reports.

i will check my credit report thanks, but you don't think they are getting ready to sue? I am a complete worry wart

No I wouldnt worry. Accounts that are inactive are generally taken off the dialer or could even be returned to the client if the collections were 3rd party.

I'm the same way and if you're that concerned go ahead and contact them playing dumb and seeking a status of the account. Make sure you note the day, time and who you spoke with in addition to what they say. The important thing is to show good faith towards paying a debt legally owned. If they don't like what you offer I'd indicate that's what the payment and I will be sending it in on such and such date each month until my situation improves. Remember "good faith" is what usually keeps folks out of hot water unlike those who simplely ignore they even owe a thing. However, make certain you follow through on the amount and date.

thanks everyone for the advice and words i appreciate it

It could be that the debts were sold to another agency as well. It is common practice to move debts around. I wouln't be concerned...

A CA wouldn't know "good faith" if you hit them in the head with it.

I completely disagree with Whystimpy. If you don't pay what they want they do whatever they want - REGARDLESS of whether you have made any "good faith" payments.

Many people think that you can pay a small amount on a regular basis and the CA will appreciate it. I don't think so.

If you are struggling and can't afford to send any money - DON'T.

CAs and attorney collectors, as a GENERAL RULE, go after people who own their own home or have a job. They USUALLY want to know, before wasting money on a court judgment, that they will have an avenue to collect their judgment (e.g.) a lien on your home or garnishment of wages.

If you get a job in the future DO NOT APPLY FOR ANY CREDIT. That will be included on your credit report and any CA collecting an old debt may decide to file a lawsuit because they now know that you are working.

The statute of limitations for filing a lawsuit is four years. After that it doesn't matter what they find out they can't get a judgment against you. (California law)

Julie90803 you are correct that most CA's don't appreciate it. However, I work in the legal field and know for certain its important to establish "good faith" towards a debt in case an action as been filed against you. It only goes in your favor especially if you are someone of limited means.

julie90803 you are correct that most CA's do not care about "good faith". However, I work in the legal field and am positive that its important to establish a showing of "good faith" in case an action is filed against you. Especially, if you are someone with limited means.