R
rookiegirl77
Guest
What is the name of your state? California
At the end of August I sent a letter and payment to a collection agency, stating my terms on paying off the amount. When they received it the account, I owed close to $3K which I cooperated in paying $1600. But after that I couldn't pay any more large sums. In August I owed $1300. I sent them a letter, signifying what I had paid previously and my cooperation in paying. I said that I would pay $75, which is honestly all I can afford right now, with all my other bills. (They wiped my savings with the amount I paid before). I said I would make the payment each month by a certain date and sent the payment which they cashed. Then last month, I sent a second letter with my payment. I sent the payment as I agreed and added the note "Upon cashing this check, you continue to agree to the notice I sent on 8/30/2004 for this payment plan. Thank you." They cashed this check on 10/1/2004.
Today, I received a notice which was written on 10/4/2004 (so after they cashed the second check), stating that I owe $125 as agreed by the 17th of the month or I am in default. I owe $1250 about now. I can't afford the amount difference, because I am already scraping by with food and stuff and I can't pay it on that date (alot of bills are due then).
Because I said on cashing this check you agree to the payment, does that bind anything?
Can I continue with what I agreed?
I don't know what do to.
Thanks.
At the end of August I sent a letter and payment to a collection agency, stating my terms on paying off the amount. When they received it the account, I owed close to $3K which I cooperated in paying $1600. But after that I couldn't pay any more large sums. In August I owed $1300. I sent them a letter, signifying what I had paid previously and my cooperation in paying. I said that I would pay $75, which is honestly all I can afford right now, with all my other bills. (They wiped my savings with the amount I paid before). I said I would make the payment each month by a certain date and sent the payment which they cashed. Then last month, I sent a second letter with my payment. I sent the payment as I agreed and added the note "Upon cashing this check, you continue to agree to the notice I sent on 8/30/2004 for this payment plan. Thank you." They cashed this check on 10/1/2004.
Today, I received a notice which was written on 10/4/2004 (so after they cashed the second check), stating that I owe $125 as agreed by the 17th of the month or I am in default. I owe $1250 about now. I can't afford the amount difference, because I am already scraping by with food and stuff and I can't pay it on that date (alot of bills are due then).
Because I said on cashing this check you agree to the payment, does that bind anything?
Can I continue with what I agreed?
I don't know what do to.
Thanks.