What is the name of your state? Washington
Currently, I'm in the middle of paying off one collection agency who is acting on behalf of a credit card company and am nearly finished paying off the debt. Although, that is not the problem as these agents have been very helpful and kind as well as patient and I've done my best to be a good customer to them.
This is not my problem, however. My problem is an old long distance phone bill from 2003. I had every intention to pay it off once I make it through these next three months of financial difficulties, which would leave me with only the dreaded student loans.
Anyhow, a collection agency has contacted me by mail on their behalf. I phoned them and attempted to set up a payment plan of some sort; but what I offered wasn't to their liking and the phone call ended with them basically making me out to be a thief, typical scare tactics, and me hanging up in tears.
Now, I don't want to blow this bill off; but what can I do? They don't want to accept my payment plans and want payments that I cannot afford in any way. (They want payments that come to over three quarters of my income)
I've been advised to ask for their supervisor and attempt to set up payments through them; but the last time I did that the supervisor was more verbally abusive than the staff.
Also, I'm starting to become a little suspicious because they have made no attempt to contact me over the past two weeks either by mail or by phone and when I was talking to them, they incorrectly stated the dates from which this bill came, saying that it was in 2005.
Any advice as to what I should do would be helpful in any way. As of right now, I'm completely lost. I thought that, maybe, I should just mail them a payment that I can afford every month.
Anyway, thank you for any help you can give me...
Currently, I'm in the middle of paying off one collection agency who is acting on behalf of a credit card company and am nearly finished paying off the debt. Although, that is not the problem as these agents have been very helpful and kind as well as patient and I've done my best to be a good customer to them.
This is not my problem, however. My problem is an old long distance phone bill from 2003. I had every intention to pay it off once I make it through these next three months of financial difficulties, which would leave me with only the dreaded student loans.
Anyhow, a collection agency has contacted me by mail on their behalf. I phoned them and attempted to set up a payment plan of some sort; but what I offered wasn't to their liking and the phone call ended with them basically making me out to be a thief, typical scare tactics, and me hanging up in tears.
Now, I don't want to blow this bill off; but what can I do? They don't want to accept my payment plans and want payments that I cannot afford in any way. (They want payments that come to over three quarters of my income)
I've been advised to ask for their supervisor and attempt to set up payments through them; but the last time I did that the supervisor was more verbally abusive than the staff.
Also, I'm starting to become a little suspicious because they have made no attempt to contact me over the past two weeks either by mail or by phone and when I was talking to them, they incorrectly stated the dates from which this bill came, saying that it was in 2005.
Any advice as to what I should do would be helpful in any way. As of right now, I'm completely lost. I thought that, maybe, I should just mail them a payment that I can afford every month.
Anyway, thank you for any help you can give me...