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collection agency

Old 02-05-09, 09:47 PM
  #26  
Ed in GA
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This sounds like a problem my wife had before we met.

After investigation of the problem, I found the following.

She f***** up and then got mad at the bank because they wanted their money.
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Old 02-05-09, 10:24 PM
  #27  
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Dude, you're screwed. You need to settle this one quick.

My wife refuses to do business w/BOA. In her first marriage, her husband cashed a check for his cousin. The check bounced. She refused to pay, and her husband didn't care and didn't want to hassle his cousin.

When we got together 11 yrs ago (10th anniversary in Oct.), she couldn't open an account of her own. Her ex was suppossed to take of it, per divorce papers, but never did. I had to add her to my checking account. She finally managed to open an account of her own like 3 yrs ago.
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Old 02-05-09, 11:57 PM
  #28  
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Regardless, I am repeating myself, but when a collection agency calls, log the call, and hang up. Only deal with them in writing. A few of the agencies actually follow the Fair Debt Collection Act, but a lot are shady if best.

Your best bet is to have all communication go through an attorney if you can afford one, and if they call, refer them to that attorney and hang up. If they continue to call even when they got written (via certified mail) notice to cease dealings with you unless they are notifying you and the attorney of pending litigation, they are likely violating the law.

What not to do with a debt collector: Don't say anything to them on the phone. Don't harass, or threaten. Don't confirm the debt. Get the name of the agency, the phone number, the account number, the alleged amount and hang up. Remember that their phone switch records all audio in hopes for a threat they can use for a criminal case or something else said they can use for more civil action.

Disclaimer: IANAL.
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Old 02-06-09, 12:06 AM
  #29  
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Originally Posted by mlts22 View Post
What not to do with a debt collector: Don't say anything to them on the phone. Don't harass, or threaten. Don't confirm the debt. Get the name of the agency, the phone number, the account number, the alleged amount and hang up. Remember that their phone switch records all audio in hopes for a threat they can use for a criminal case or something else said they can use for more civil action.
Ugh. I got my first taste collection agencies not too long ago. I wish I'd had some idea what to expect at the time. They very nearly got money out of me through incessant pushiness, phone transfers, thick accents, and just plain lying. The only thing that saved me was my refusal to pay for things over the phone.
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Old 02-06-09, 12:31 AM
  #30  
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Originally Posted by kaotikgrl View Post
If I have this right….they give you a credit card and you max it out, you don’t return a movie on time, a series of $1 charges or a $5 or $6 charge makes your checking account overdrawn, you keep money that a teller overpaid you….hmmmmm no sympathy from me, perhaps you need to take some personal responsibility for your own financial mess.
The problem I'm having is an overdraft protection that didn't work the way it was described.

But please, I wanted your sympathy oh so bad, what will I ever do without an online persona's sympathy??

Last edited by Pheard; 02-06-09 at 12:36 AM.
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Old 02-06-09, 01:24 AM
  #31  
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BofA charged me overdrafts on a positive account many times. It's why I left.

But I also screwed up many times, without their help. I'm much better, now. US Bank treats me much better.
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