I have been going back and forth with ACA Recovery. I told them I would make a payment on Friday (for the entire amount due). I do not dispute the claim (we had bounced a check due to all the payday loans coming out). So after telling them that and my account going negative on Friday. I call them and tell them what happened and that I could pay it on Monday (today). I told him I could pay $75 and then the rest on the 11th. I then asked him for a detailed account review (something that shows all the charges, i.e. amount of check, fee, attorney fees, etc.). He stated he had never heard of anyone doing that. I asked him if they sent out letters that told the amount of the payment due and what the charges are for. He said they don't do that. I told him before I paid, I needed to get one. Then he states, I needed to pay in order to get one... I said fine, I will send in $75 on Monday, he told me no, I had to send in half of the payment. I told him I had $75 of it, he said he wouldn't accept it. I then asked to speak with Norman Kolinas? He informed me to give him my lawyers information, he would then call my lawyer and give them the information. I told him I wanted his direct line, he told me that a debtor could not speak with an attorney. I asked him what he was, he said he was an assistant collecter? (off the top of my head, I think thats what he said). I told him I never heard of a collection company denying payment, he said he wouldn't accept anything but half.
Does anyone know if I send in a payment for $75, if they send it back, what that means? I thought denying payment meant, I don't have to pay the debt... I am trying to pay the debit but can't pay it all at once. Any help?
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