What is the name of your state (only U.S. law)? Ohio
Ok, I try to condense this short as I can.
Have outstanding credit with Discover 10+ years
Open small business and use personal card to pay for resell. Customer never pays, debt slowly starts adding up. Barely keeping out of the red. Making $100 payments each month to Discover. Missing payment deadlines compounded with late fees and interest. About $30 of the $100 is going to the actual debt.. After awhile, completely give up, money is not paying debt off fast enough and almost all is going to interest and penalties. Decide to let it go into collects and catch up on other bills. Case is finally taken to court and settled with 2% interest rate and allow courts to garnish..
About three months before paid off I called the collection agency and request a letter stating how much has been paid and how much owed left. Fast forward, finally down to the last $75 owed, A new letter from collections comes in the mail contradicting how much I actually owe left. Then saying $190 vs. the $75. Cleveland courts ask me if I want to appeal. I say yes. Court date roles around. I bring all my paper work. Attorney brings all her paperwork. I show the letter saying how much I paid via pay stubs and how much I owed left. Attorney replies "well I don't have that information but here is what you owe actually. Judge won't look at our paper work and just gets annoyed that the attorney and I won't agree. Judge asks if the courts can do their own investigation and will be mail out the results.
A month goes by and I get a check in the mail from Cleveland courts for $249. I get excited, because I was just out of work for a month and that money was badly needed, wait a week and then cash the check to make sure no issues. . Almost another month goes by. I get a letter from the courts stating a mistake and that $249 was to be sent to the collection agency and I was to be credit just $8. Shortly after, I get a letter from the collection agency and now they want $300 the $249, plus $51 more..
Is there anything I can do? It's really a shock to me the courts can make a mistake and I have to pay back $50 extra!
I called the collection agency and the lady apologized and said she knows this was not my fault. However, they are entitled to that money..
I did not manage the credit card well and I admit to that. My credit has been hit and I have paid back the debt plus the interest agreed. However, when the courts take your money and are suppose to be in position to handle the situation, only to mess up. Do the courts really get to pass off the problem like that?
Thank you,
Mike
Ok, I try to condense this short as I can.
Have outstanding credit with Discover 10+ years
Open small business and use personal card to pay for resell. Customer never pays, debt slowly starts adding up. Barely keeping out of the red. Making $100 payments each month to Discover. Missing payment deadlines compounded with late fees and interest. About $30 of the $100 is going to the actual debt.. After awhile, completely give up, money is not paying debt off fast enough and almost all is going to interest and penalties. Decide to let it go into collects and catch up on other bills. Case is finally taken to court and settled with 2% interest rate and allow courts to garnish..
About three months before paid off I called the collection agency and request a letter stating how much has been paid and how much owed left. Fast forward, finally down to the last $75 owed, A new letter from collections comes in the mail contradicting how much I actually owe left. Then saying $190 vs. the $75. Cleveland courts ask me if I want to appeal. I say yes. Court date roles around. I bring all my paper work. Attorney brings all her paperwork. I show the letter saying how much I paid via pay stubs and how much I owed left. Attorney replies "well I don't have that information but here is what you owe actually. Judge won't look at our paper work and just gets annoyed that the attorney and I won't agree. Judge asks if the courts can do their own investigation and will be mail out the results.
A month goes by and I get a check in the mail from Cleveland courts for $249. I get excited, because I was just out of work for a month and that money was badly needed, wait a week and then cash the check to make sure no issues. . Almost another month goes by. I get a letter from the courts stating a mistake and that $249 was to be sent to the collection agency and I was to be credit just $8. Shortly after, I get a letter from the collection agency and now they want $300 the $249, plus $51 more..
Is there anything I can do? It's really a shock to me the courts can make a mistake and I have to pay back $50 extra!
I called the collection agency and the lady apologized and said she knows this was not my fault. However, they are entitled to that money..
I did not manage the credit card well and I admit to that. My credit has been hit and I have paid back the debt plus the interest agreed. However, when the courts take your money and are suppose to be in position to handle the situation, only to mess up. Do the courts really get to pass off the problem like that?
Thank you,
Mike
