need advice please

[candycane216]

i had a collection letter arrive last year from a discover card bill from early 2000's. it went to court on june 2006 in new york state where i lived at the time. currently live in wv.. the original bill was over 15000. i agreed to give 5000 down (wiped out savings account for this) and 269.09 for 12 month last payment will be in june. i recieved a letter from a new collection agency for remainder of the bill. my last payment was 2/29 and they picked up account on 3/9.

what are my rights regarding this. ty

 

[quincy]

i had a collection letter arrive last year from a discover card bill from early 2000's. it went to court on june 2006 in new york state where i lived at the time. currently live in wv.. the original bill was over 15000. i agreed to give 5000 down (wiped out savings account for this) and 269.09 for 12 month last payment will be in june. i recieved a letter from a new collection agency for remainder of the bill. my last payment was 2/29 and they picked up account on 3/9.

what are my rights regarding this. ty

Tell the new collection agency that you entered into an agreement and that you have been and are continuing to fulfill the terms of the agreement. Tell the new collection agency that you expect this agency to enter a satisfaction of judgment with the court in June when the agreed-upon payments end.

Good luck.

 

[Zigner]

Additionally, be prepared to show a copy of the written agreement you have for the plan as you have outlined it.

 

[candycane216]

i made a rookie mistake and did not get in writing from the original collection agency.

 

[quincy]

i made a rookie mistake and did not get in writing from the original collection agency.

You might want to borrow the two months worth of payments remaining and pay off this new collection agency now, then. Make sure the collection agency enters a satisfaction of judgment.

Good luck.