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*&#&*%$^(&#%!!!!! Collection Agencies
RayB:
She's paid commissions on accounts collected. It's in her interest to do whatever it takes to get money.
Jdurg:
I had something like this come up against me a few months ago. An ambulance service company suddenly started sending me threatening letters about how they were taking me to court because I hadn't paid my bill. I called up the billing department and got nothing. (The ambulance company used an outside service for their billing collections). I had many letters from insurance showing how the company used the wrong claim number on my account and proof that the delay in payment was their fault and not mine. Eventually, the proper bill was sent out and I paid it. They claimed they never received it.
Finally, I sent them a VERY angry certified letter with the payment in there and told them to stop bugging me. They didn't stop. They still sent out bills and suddenly stopped answering the phone. Fed up, I called the ambulance company themselves and talked to them. They were VERY nice and told me that I'm not the first one to complain about the billing company and that this would probably be the last straw for them. The ambulance company was very nice and worked with me to get their funds and then also said "We never take anybody to court. In nearly all cases, unpaid bills are caused by the elderly people that we typiclaly serve and it's just not worth it to take them to court. Based upon our agreement with the billing company, they can't send collections after anyone or take them to court unless we agree to it. If they do, they are breaking the law".
So that was nice to hear and eventually the bill was paid off. Still, I FULLY understand the frustration and outrage.
JackTucky:
They will not take you to court. They want to scare you. And when they hold your credit report as hostage, tell them you have arrest for rape on your credit report so you don't care. Seriously, 15 year old debts don't mean ---steaming pile of meadow muffin---.
Last time I bought a car they brought out my credit report. The finance manager says, "what's this $94.98 charge off?" I said, I paid for cable at a beach house with my buddies and some dude threw up on the cable box. I didn't want to pay.
We laughed and I bought the car. Tell them to eff off.
=J
saint:
Timely article on this on CNN.COM
http://www.cnn.com/2008/LIVING/personal/02/29/rogue.debt.collectors/index.html
JimmyU:
Go here Peale. They have a ton of useful info on how to deal with debt collectors.
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