R
RAJ
Guest
I just got off the phone at work with a collection agency for Sears. I have never received any documentation from this company so I was not familiar with their name, but was willing to discuss the debt. So we began to agree on a down payment to prevent further collection activity. He said he ran a credit check on me and my spouse and saw that we were able to make the down payment of $318.00 because I had a Bank of America MasterCard with an available balance of over $2,500, he felt I could make the payment (me or my spouse do not have a MasterCard). I informed him that my other accounts were past due including my mortgage (which he could clearly see if he did have my credit report in from of him). I also advised him of a pending wage garnishment. So he said he could split the $318.00 over 2-months. Then he said he needed a post-dated check. I explained that I did not have a checking account. He suggested that I use my spouses. I told him that my husband prefers not to do post-dated checks(we have gotten into trouble with a bank previously regarding post-dated checks from another credit so Bank of America closed out our account.) He also said "Do you want me to call your husband",and I said no. Next the man ask that I open up another checking account, but I explained to him that I was unable to due to the way Bank of America reported my account. So he said he was unable to help me and advised one of his co-workers to start the investigation process to find out what my assests were. I asked him not to do that and that I could send the payment Western Union prior to the due date, but he said no and abruptly hung up the phone. Please advise how I can proceed. I live in Maryland and this is an individual account.