Troublesome debt collectors

[Grahakay]

What is the name of your state (only U.S. law)? Vancouver, WA

I started dealing with this credit company to be the bigger person, compared to the other person who is listed under this account as well, and try to set up payments with them. I ended up setting up a lump sum payment. Long story short, i couldnt come up with the money and i told them i could do the payments of 320 a month for 6 months but i couldnt start till the end of this month becasue I needed to acquire the money through payroll. They absolutely wouldnt accept it and said that they needed the money by the end of april and it was 2 days before the end of the month. I told them i didnt have the money and i did my best to wrok with them but they just wouldnt work with me. They told me the next step is invoulntary collection, I'm assuming garnishment. i find this very frustrating because the debt I'm owed wasnt even my fault in the first place and the other person on this account cannot be contacted so I'm getting completely screwed over. What can I do?? I really do not want to be garnished and I'm already in the process of suing this other person for his half of the debt.

 

[justalayman]

before they can garnish or levy anything, they have to obtain a judgment. I didn't see anything about a judgment in your post so, if they want to do anything other than pester you, the next step would be to sue you.

So, what are you looking for? If you cannot come to some acceptable terms with the CA, there isn't really anything to say. You can't force them to accept any payment arrangement other than payment in full.

 

[cosine]

Save the money you were willing to pay somewhere. If they sue, take steps to drag it out. Then eventually, you can pay them. Keep records of the fact that they refused to accept your money as you would have it. If this comes in front of a judge, argue to the judge you were always willing to pay, and even saved the money you had so that you could pay them, and that all these court costs are entirely their fault because they wanted to play these games.

 

[Grahakay]

There hasn't been any kind of judgment. They just said that they were going to send me a notice of what the next step is in the mail. I'm not too sure what to make of all this or how to handle it because this is my first time dealing with any kind of debt. :/

 

[cosine]

There hasn't been any kind of judgment. They just said that they were going to send me a notice of what the next step is in the mail. I'm not too sure what to make of all this or how to handle it because this is my first time dealing with any kind of debt. :/

Just wait and see. If they are refusing to take what money you have now, then there is nothing much else to do.