Post # 1
Regular bee going anon for this one. I just need some advice if anyone has dealt with this. I have been on the phone with this AWFUL law firm who is sending some kind of investigator to try to deliver papers to me, on a debt I wanted to go ahead and resolve today. Here’s the scoop:
I get the call from this investigator who is insisting I give her my address TODAY to deliver these claim papers. I told her I wasn’t aware of this was even about, and she said “Well I was under the assumption you knew what this was for but here’s the number to to collection agency/lawfirm.” I call them to settle the issue and I verbally agreed to make payments, but asked to have this repayment plan in writing before I just hand over my bank information.
They stated “they dont do that, but will go over the payment plan with me on the phone, have a recorded phone call with me before I make the last payment stating that the last payment will fufill the debt, and that I will receive a letter in the mail.” I told them I needed this in writing BEFORE handing out my information. Is this normal practice for an agency/lawfirm to ask me to pay this but not give me written documentation of the payment plan? It seems really shady, because I don’t want to give out my info and them just charge me whenever they feel like it for whatever reason.
This invesitgator is also calling my brother because I lived with him 2 yrs ago. Is there something he can do to get them to stop calling him? He’s all stressed out too, thinking they can come after him, and I feel so bad that they are harassing him when he has nothing to do with this. I would love some advice – before you flame though, just know it’s something I want to pay but I’m not going to just hand out my info without having this agtreement in writing
Post # 3
@anonbe180030: Get their payment address and send in monthly payments if you are serious about paying the debt, if you are sure you know what it is for.
What state are you in? You will need to find out if they favor debters (like my state) or not.
I would tell your brother to block the calls or not answer. They are debt collectors. They will do anything to get the money owed to them.
Post # 4
I am in Texas, I believe they’re strictly regulated. I have their phone number and the girl talked so fast, I could only make out the word “Pacific.” so I am trying to google the rest of the name. What they’re stating is that I had to pay over the phone or they would go ahead and take me to court over it. It doesn’t make sense!
Post # 5
@anonbe180030: is this a debt that you’re aware of? It sounds like a scam to me to be perfectly honest. I’ve never heard of something like this.
Whoever ‘owned’ the debt before they sent it to collections should be able to provide you with documentation who they sold the file to (that’s what happens, the original creditor sells the debt to a collection agency and then the collection agency tries to recover what is now their money) – at least that’s the way it worked for the financial institution here in Canada that I worked for
Post # 6
@anonbe180030: Never, ever, ever start paying them without a written agreement. They may be recording the phone call, but that is no assurance for YOU. You need to protect yourself here.
Hire an attorney and let them deliver you the papers. If you don’t let them deliver them there is possible obstruction of court that can come into play. Talk to your attorney about what you are going to do. Let your attorney talk to the company.
Post # 7
@anonbe180030: Do NOT give them access to your bank account!!! How were you going to resolve the debt today? Meaning – can you go directly to the party you owe the money to? Or do you have to go through the debt collector?
Post # 8
I once settled a debt for my DH from a collection agency. We sent them a written offer of how much we would pay, they responded over the phone, and we mailed a check. When it was done I got a receipt in the mail.
At any rate, I would not pay them the full amount. I’d offer 40 or 50 cents on the dollar.
Post # 9
- Wedding: September 2013 - B&B
Hmmm I would feel kind of uncertain about over the phone payments as well!! You can check your credit report too, if something is in collections they may have the information you need. I think that in alot of cases, they try to pressure you as much as possible to pay NOW and FAST because its basically their job to get the money any way they can…. Im sorry I don’t have more advice, but I would keep looking into this to see about something in writing too. Because there ARE plenty of scams over the phone.
Post # 10
I would just give them an address so they can serve the papers and get this over with.
Clearly there is much behind this story. They don’t get to the stage of serving papers without some previous problems with payment. It’s hard to believe that, at this stage, you wouldn’t be aware of what the first call from the investigator was about.
I don’t bame them for not accepting your promise to pay, and wanting your banking information over the phone. People will say almost anything to make collection agencies go away. It depends on what papers you have already signed for the original debt, and if they already have a court order to access your bank account, whether or not they need your signature to authorize access once they have your bank account informtion.
Once you get the papers and read the details, I would call up the collection agency and make an appointment to meet with them in person. It will show that you are sincere about taking care of this debt. Take your checkbook with you or be prepared to sign a form authorizing automatic deductions form your bank account.
Post # 11
NOOOO I would never give them my bank account information!! Yes, it is a debt I incurred, so I told them I had no problems beginning the process of arranging the payment plan today, but I needed it in writing – bi-weekly payment, what amount each payment, when the last payment would be made etc. And they just stated that they couldnt give me anything in writing. So I said why the F#CK would I give you my bank info then?? I kept asking them to email it to me and I’d call them back, but NOOO. She transferred me to the case manager who said there was nothing they could do “since I choosing to go about this on my own accord.” WTH? I think it’s my right to have this payment plan in writing and they flat out refused so I had no choice to hang up.
So now this investigator lady keeps calling me (and my bro) to give me an address so she can deliver papers to me. Seriously? Especially when I was trying to resolve today?
Post # 12
@anonbe180030: this sounds shady. if they were serving you, they really should already know your address.
Post # 13
@Sunnyday278: It’s not on my credit report, it was for a payday loan that I completely forgot about 2 years ago when I changed banks and didn’t update with them. My mistake and I am trying to make it right but I don’t feel comfortable dealing with them anymore.
Post # 14
I had this happen to me on my 21st birthday. Being young and naive I gave them my info because they got me all flustered. After I hung up I wasn’t sure if it was a scam or not so I canceled my debit card and got a new one to prevent the payment from going through. It turned out that the collection agency was trying to collect on a hospital bill that I was never billed for. It was for an ER visit and I was billed for part of it, but not all of it and the bill I got made no mention of the other charges. I demanded to be billed before I would pay the debt and they tried to dodge around that and wiffle waffled over sending me an itemized bill all the while claiming that I had been sent several bills. I never did recieve a bill. I ended up resolving the debt by contacting the hospital directly and going through my account with one of their billing agents over the phone while I looked at things online. The collection agency definitely came off as a bunch of sleazy jerks who didn’t believe me when I said I hadn’t been billed. They were super obnoxious and overly confrontational.
Post # 15
@julies1949: I agree with you, I know anyone will say anything to get out of debts. I am legitimately trying to resolve this and they won’t even give me their address.
Post # 16
@anonbe180030: YIKES! I’ve been there before 🙁 If they aren’t willing to send you something in writting, can you contact the original debtor and try to make a payment plan with them? I would tell the investigator that you will give her your address as soon as you recieve your payment plan in writting, although when I was in the same situation I settled one over the phone and didnt get anything until after everything was paid, and the other (stupid EX!) I got a payment schedule and set them up as a ‘bill payee’ in my online banking and made the payments as scheduled.