What is the name of your state (only U.S. law)? CA
You would think they'd be more than happy to take it. Not sure if I can mention names here, but, the law firm is, Harris & Zide collecting for, Arrow Financial. I've done research on both & neither have a very good reputation.
H & Z sued me last year. The mediation meeting is in three weeks. After that, they tried to put a lien on our property. Then, they did manage to put our bank accounts on hold.
Contacting them by phone doesn't help. It's either an infinite loop in the automated system or, if someone does answer, I get passed from person to person, but, mainly put on hold. As I'm an independent contractor, doing customer service from home, I can't hold for too long. Especially since we depend on my earnings. My husband hasn't worked in a year. We recently sold our car to bring in some money.
I've mainly written them. We want to have a record of our communication. I explained our situation & let them know what we'd be able to pay per month. So far, they haven't freed up our funds or even acknowledged the letters. Not even to reject the offer. Even though, I know they received them, as, we've mailed them certified. We didn't want to send a payment, until an arrangement has been made.
The debt was originally with, CareCredit, parent company, GE Money. They closed the account & it wound up with the current creditors. Please advise as to how we should proceed. We want to start paying this off. Due to current financial circumstances, we aren't able to pay much to begin with, but, we do want to get this taken care of. Thanks.