Dealing with rude debt collector
Date: Fri, 03/02/2007 - 13:55
My father passed away July 06, and I started receivng collection notices from Wyndham who just bought Fairfield Glades. I have called on 2 occasions to try and make payment arrangments and the girls are very rude and they will not negotiate the interest. They charge me $100 a month and right now that is all I can pay them. The debt will never go away at that rate and I will pay the rest of my life. The debt started at $753 or something like that and now it is a whooping 1800.00. The told me the interest rates were non negotiable and even if I make payments they will keep tacking the interest rate every month.
I have also moved and gave the new address and they refuse to use it. They keep sending to my old PO. I know this because I happen to know someone in the Post office who told me. I do not know what to do and I am so frustrated and angry that I am ready to tell them to stick where the sun doesn't shine because I never wanted the condo anyway. I live in Virginia and the agency is in Las Vegas. Please help me.
Since the condo is put in your name, the collectors find you res
Since the condo is put in your name, the collectors find you responsible for paying it. I am sorry to hear about your father's death. He was kind enough to pay the maintenance fees. But now you have to take care of this accrued debt and there is nothing you can do to avert it. Moreover, you have to act fast because the interest rates are multiplying every month. You can take some professional advice and let them negotiate for a lower interest rate with the collection company. I see no other way of handling this situation.
If you don't want them, it would seem the logical thing to do wo
If you don't want them, it would seem the logical thing to do would be to sell them (not that I actually know anything about timeshares).
I don't know what else to tell you. Virginia doesn't seem to have any real debt collection laws on the books, and it sounds like you are dealing with the original creditor. As such, the fair debt collection practices act (fdcpa) would not apply to them.
If you've provided your phone number at signup, a credit counselor will be contacting you soon, and you would be able to discuss any other debt problems you might have. You are under no obligation to sign up with the company that calls you, and before signing up with any credit counselor, make sure you do your due diligence in researching them.
Just a thought... contact a lawyer in Nevada and ask about the u
Just a thought... contact a lawyer in Nevada and ask about the usury laws. It sounds like they are charging a very high interest rate that may be against the law.
Good advice from Texas Lawyer. Definately check out tne Nevada U
Good advice from Texas Lawyer. Definately check out tne Nevada Ursury laws; see about getting the condos on the market if you don't want them and I would also think that if you have already provided them with your new address and they refuse to send correspondance to you for whatever reason, that would be a point in your favor to argue late fees, etc.
