fuzbuster83
Junior Member
What is the name of your state (only U.S. law)? Ohio
I have an old Macy's Visa card that has been in collections for 4-5 years now. For the first couple years I honestly forgot about it because it showed as closed account on the credit report.
What happened was a debt collector contacted me and we set up automatic payments after working out a payment plan. They took a monthly payment 7 or eight times, then it stopped being deducted. I had forgotten the company name so I was anticipating a letter or some such explaining the complication as my bank statement showed nothing useful. 5-6 months went by and I was contacted by a different debt collector, we worked out the same deal on monthly payments and the same thing happened, the deductions stopped, I once again was unsure how to contact them to figure out what the deal was as the money was always available and my account information never changed.
Well now I have been contact by a third company today about the same account. Rest assured, I will keep this letter from them posted on my message board but this is getting ridiculous as I'm being charged for months of interest when I'm unable to pay because no one is taking my money.
I guess the question is, what can I do, if anything, to make them keep the account alive until it is paid off so they just don't bounce me to another company and prolong this further?
I have an old Macy's Visa card that has been in collections for 4-5 years now. For the first couple years I honestly forgot about it because it showed as closed account on the credit report.
What happened was a debt collector contacted me and we set up automatic payments after working out a payment plan. They took a monthly payment 7 or eight times, then it stopped being deducted. I had forgotten the company name so I was anticipating a letter or some such explaining the complication as my bank statement showed nothing useful. 5-6 months went by and I was contacted by a different debt collector, we worked out the same deal on monthly payments and the same thing happened, the deductions stopped, I once again was unsure how to contact them to figure out what the deal was as the money was always available and my account information never changed.
Well now I have been contact by a third company today about the same account. Rest assured, I will keep this letter from them posted on my message board but this is getting ridiculous as I'm being charged for months of interest when I'm unable to pay because no one is taking my money.
I guess the question is, what can I do, if anything, to make them keep the account alive until it is paid off so they just don't bounce me to another company and prolong this further?
