S
Shanna44
Guest
What is the name of your state?KANSAS
Ok i had a debt that i made a settlement on, i had one payment left to pay. well the my bank had a hold on my account, and the check was returned. My bank is fully able to send faxes over to state that my account was frozen due to the fact that a check book had been stolen. The agency wont accept anything but the Balance in full now, I understand i had a returned check and the settlement is not longer valid. I will pay the full amount. but here is what happenend
Ok the man called me at my house and on my cell phone, the number he called from was area code (956) I called him back from the number on caller id. once i got on the line, all i did was state my name and he went into full account detail telling me that if i did not get him the $410*balance in full* by monday at 12pm my account was going to be sent over and i needed to hire an attroney, i said that i would be able to get half the payment to him, he said that was fine(sacrastic), but if it was not the full amount I should just "save it and pay the attroney with it" Ok he then hung up the phone call with me, i called back, he said that he was just going to go ahead and forward it over to their attroneys. I got so upset i was bawling, i didnt know what to do, so i called my mom, my mom called, he talked to her and said the same thing, that if it was not the full amount then i would be sued. I have a few questions to ask: 1. doesnt he have to verify me when i call in? all i did was say my name, and he went into full account detail.2. does he have to state the mini miranda?"this is an attempt to collect a debt..."3. when my mom called in he told her they were a third party collection agency and it was not customer service...can he do that??4. He said that i have to send the balance in full no later then monday at 12pm via a western union or money gram" 5. he left like 3 messages on my answering machines like this "this is so and so, please return my call at this number, use this as your account number(then states my account number) can he do that too??? any help would be great... i need help soon since i am suppose to send the money by tomorrow. Someone told me to sue the agency but there is no point in doin that if they did nothing wrong. please help! thank you!
Ok i had a debt that i made a settlement on, i had one payment left to pay. well the my bank had a hold on my account, and the check was returned. My bank is fully able to send faxes over to state that my account was frozen due to the fact that a check book had been stolen. The agency wont accept anything but the Balance in full now, I understand i had a returned check and the settlement is not longer valid. I will pay the full amount. but here is what happenend
Ok the man called me at my house and on my cell phone, the number he called from was area code (956) I called him back from the number on caller id. once i got on the line, all i did was state my name and he went into full account detail telling me that if i did not get him the $410*balance in full* by monday at 12pm my account was going to be sent over and i needed to hire an attroney, i said that i would be able to get half the payment to him, he said that was fine(sacrastic), but if it was not the full amount I should just "save it and pay the attroney with it" Ok he then hung up the phone call with me, i called back, he said that he was just going to go ahead and forward it over to their attroneys. I got so upset i was bawling, i didnt know what to do, so i called my mom, my mom called, he talked to her and said the same thing, that if it was not the full amount then i would be sued. I have a few questions to ask: 1. doesnt he have to verify me when i call in? all i did was say my name, and he went into full account detail.2. does he have to state the mini miranda?"this is an attempt to collect a debt..."3. when my mom called in he told her they were a third party collection agency and it was not customer service...can he do that??4. He said that i have to send the balance in full no later then monday at 12pm via a western union or money gram" 5. he left like 3 messages on my answering machines like this "this is so and so, please return my call at this number, use this as your account number(then states my account number) can he do that too??? any help would be great... i need help soon since i am suppose to send the money by tomorrow. Someone told me to sue the agency but there is no point in doin that if they did nothing wrong. please help! thank you!
i am just soo worried im goin to be taken to court on something im trying to pay off, im going to send the half payment tomorrow regardless but he said that he will turn it over if that happens. oh and they were unaware that this was going to happen because i was unaware the check was going to be returned.