Someone Trying to Serve Me Papers

posted 3 years ago in Legal
Post # 3
Member
2100 posts
Buzzing bee
  • Wedding: October 2013

@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 # 5
Hostess
9892 posts
Buzzing Beekeeper
  • Wedding: May 2014

@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
Member
2871 posts
Sugar bee
  • Wedding: May 2014

@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
Member
7179 posts
Busy Beekeeper

@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
Member
3570 posts
Sugar bee
  • Wedding: September 2011

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
Member
2372 posts
Buzzing bee
  • 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
Member
42460 posts
Honey Beekeeper
  • Wedding: November 1999

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 # 12
Member
3570 posts
Sugar bee
  • Wedding: September 2011

@anonbe180030:  this sounds shady.  if they were serving you, they really should already know your address. 

Post # 14
Member
3557 posts
Sugar bee
  • Wedding: August 2014

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 # 16
Member
1634 posts
Bumble bee

@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.

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