What is the name of your state? Maryland
I have a judgement entered against me for a credit card that I had years ago. I went years and years and years without making any contact with the CC company or making a payment. I finally decided that I needed to start cleaning up my credit and contacted them with an offer of making a certain minimum payment. I made the first two payments and then missed the next 2 because I was getting married and it slipped my mind. Before I missed the 3rd payment I sent in the money to cover the 2 past due payments and the one coming up. (This was on a Monday.) That Thursday I went online to check my bank account and I found out that the debt collector had put a freeze on my account. I called to ask why and they said because I had missed 3 payments and hadn't returned any of their calls. First of all - They never called or sent a letter. Yes, I did miss 2 payments, but I was not late on the 3rd payment. I still had 5 days left when I mailed the payment off. I asked them if they had received the payment and was told no, they had not received any payment from me since March. I asked them if they could release my account since I had sent the payment and they said no, because they couldn't take my word that I had sent the payment and they had to wait for information to come back from my bank as to how much money I had in my accounts. When I got home on Friday I found a letter from the debt collector along with my check for the 3 payments being returned to me because I was "no longer in compliance with my agreement". Can they refuse a payment? I thought that if you sent them money they had to accept on behalf of their client. Do you think the client knows that they are refusing to accept payments? Should I try contacting the client and letting them know what is going on? What is the best way to proceed?
I have a judgement entered against me for a credit card that I had years ago. I went years and years and years without making any contact with the CC company or making a payment. I finally decided that I needed to start cleaning up my credit and contacted them with an offer of making a certain minimum payment. I made the first two payments and then missed the next 2 because I was getting married and it slipped my mind. Before I missed the 3rd payment I sent in the money to cover the 2 past due payments and the one coming up. (This was on a Monday.) That Thursday I went online to check my bank account and I found out that the debt collector had put a freeze on my account. I called to ask why and they said because I had missed 3 payments and hadn't returned any of their calls. First of all - They never called or sent a letter. Yes, I did miss 2 payments, but I was not late on the 3rd payment. I still had 5 days left when I mailed the payment off. I asked them if they had received the payment and was told no, they had not received any payment from me since March. I asked them if they could release my account since I had sent the payment and they said no, because they couldn't take my word that I had sent the payment and they had to wait for information to come back from my bank as to how much money I had in my accounts. When I got home on Friday I found a letter from the debt collector along with my check for the 3 payments being returned to me because I was "no longer in compliance with my agreement". Can they refuse a payment? I thought that if you sent them money they had to accept on behalf of their client. Do you think the client knows that they are refusing to accept payments? Should I try contacting the client and letting them know what is going on? What is the best way to proceed?