Possible Judgement

[ayby]

What is the name of your state? North Carolina
I have been making a payment to a creditor for over a year through a debt mgnt plan and I recently received a call from "Central Credit" telling me that the creditor turned the account over to them for collection. The collection agency tells me that the creditor reviewed the account and decided to write it off and the collection agency is trying to collect the $1800 or so. I found out that the collector called my father-in-law asking where I was. I still don't know how they knew my father-in-law or his phone number. I didn't think they could do this! I decided to send the collector a certified letter with my intent to pay, and asking them for a statement of accountancy to see exactly what they say I owe. When I called yesterday, the receptionist would not give me the company address. I called back today and spoke with the collector who I talked with previously, and she also refused to give me their company name and address. She stated that she sent me a letter but that it was in a plan envelope without their address. If so I probably trashed it thinking it was junk mail. I told her I wanted to send her some correspondence but she refused and said they would go ahead and process the paperwork for the judgement and hung up without hearing me out. Should I contact the original creditor to try to work things out with them? They are no longer willing to deal with my debt counselor from what I understand. What can I do at this point!

[cmorris]

You can try to work something out with the original creditor, but it seems like they don't want to work with the debt management company.

Google the name of the collection agency or check with the Better Business Bureau website for the address.

Go to creditboards.com and learn more about the company (if available) and your rights.

[zippysgoddess]

Unfortunately, collectors are not obligated to work with or accept a payment plan from debt management companies, so yes, they can do this. It is a hard lesson learned.