What can I do at this point?
Date: Sun, 04/03/2011 - 08:18
Hi,
My court fines went to Alliance One and I set up payment plans with them for $75 x 8+ $31 final payment. Total of $631. When the person was looking up my information by name, they noticed another collection dating 2002 from another state. I informed them that I was not aware of such debt, and was here to take care of the court fine. That was the end of that and I set up payment plans.
I later received a letter showing the above payment plan and a total of $556(because I made a $75 payment on the phone).
For the next payment I wanted to make a payment on their website because its easier, but I noticed the amount on my bill doubled (I can't remember exact number it was then). Once I saw this, I refused to make a payment until I found out why my bill basically doubled. I called them and they said the other collection was attached to my account. I told them I don't know what that debt is for and I need that separate from my court fine collection. They told me that it is separate and I could pay just the court fine by calling or sending check. This is where I am confused about this whole mess. So at this point I have not really talked to them much about this until I understand whats legal, whats not, and what I should and shouldn't say.
I never received anything in writing regarding the old 2002 debt, so I don't know when the 30 days start to validate debt. Im not really sure what to do. In reality the debt may be mine from a long time ago, but I am pretty positive it is out of the statue of limitations from any state.
The second issue is that either the amount I owe to courts changed (higher) or they sneakily used some of the payments I made towards the other debt to make it valid. Either way, I am certain one of the two is true.
I have written down each payment and I called the number and they have a history of payments you can get from their automated system(actually a nice thing they have). The payments matched what I have listed as paid. The part that doesn't match is the amount they say I owe on my court fine vs what I have paid in relation to the original $631 court fine.
I have paid 75+75+75+242=467. $631-$467=$164(what i should owe). They say I owe 241.93 on the court fine. I have to ask what the balance is because the paper they send me has both debts combined in the balance. I have the original papers showing the agreed court amount. And the next paper then the same account number doubled the amount with no information as to why the amount is there. I feel like this is a deceitful collection practice to validate an old debt(I am not really sure what it is), and I have a suspended license hanging over my head.
What should I do here, and do I have a case? Do I send debt validation for the other debt listed or is it too late?
Thanks in advance,
Melvin
My court fines went to Alliance One and I set up payment plans with them for $75 x 8+ $31 final payment. Total of $631. When the person was looking up my information by name, they noticed another collection dating 2002 from another state. I informed them that I was not aware of such debt, and was here to take care of the court fine. That was the end of that and I set up payment plans.
I later received a letter showing the above payment plan and a total of $556(because I made a $75 payment on the phone).
For the next payment I wanted to make a payment on their website because its easier, but I noticed the amount on my bill doubled (I can't remember exact number it was then). Once I saw this, I refused to make a payment until I found out why my bill basically doubled. I called them and they said the other collection was attached to my account. I told them I don't know what that debt is for and I need that separate from my court fine collection. They told me that it is separate and I could pay just the court fine by calling or sending check. This is where I am confused about this whole mess. So at this point I have not really talked to them much about this until I understand whats legal, whats not, and what I should and shouldn't say.
I never received anything in writing regarding the old 2002 debt, so I don't know when the 30 days start to validate debt. Im not really sure what to do. In reality the debt may be mine from a long time ago, but I am pretty positive it is out of the statue of limitations from any state.
The second issue is that either the amount I owe to courts changed (higher) or they sneakily used some of the payments I made towards the other debt to make it valid. Either way, I am certain one of the two is true.
I have written down each payment and I called the number and they have a history of payments you can get from their automated system(actually a nice thing they have). The payments matched what I have listed as paid. The part that doesn't match is the amount they say I owe on my court fine vs what I have paid in relation to the original $631 court fine.
I have paid 75+75+75+242=467. $631-$467=$164(what i should owe). They say I owe 241.93 on the court fine. I have to ask what the balance is because the paper they send me has both debts combined in the balance. I have the original papers showing the agreed court amount. And the next paper then the same account number doubled the amount with no information as to why the amount is there. I feel like this is a deceitful collection practice to validate an old debt(I am not really sure what it is), and I have a suspended license hanging over my head.
What should I do here, and do I have a case? Do I send debt validation for the other debt listed or is it too late?
Thanks in advance,
Melvin
The SOL period on the debt from 2002 might have expired by now.
The SOL period on the debt from 2002 might have expired by now. In such a situation, you can't be sued for that even if you owe it. But the more important thing is to check whether you have ever owed the debt. Your court payment can't get all of a sudden also. You can ask them to validate the second date. Don't make any payment on the second debt unless it is validated. You can also consult an attorney and hear his/her onion regarding this issue.
