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How to Settle a Debt Without Having to Worry About Debt Collector Tricks

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  • 11-11-2012, 05:09 PM
    Tmm
    How to Settle a Debt Without Having to Worry About Debt Collector Tricks
    My question involves collection proceedings in the State of: I am in California. I have a (collection agency/Lawyer) trying to collect a debt from me. I don't have the money but I told them that I can borrow the money to pay for what they requested....the problem that I am having is that they are trying to structure me missing the deadline that they set so that they can use the information that I say on the phone against me in court. I am and want to pay the agreed amount but they are playing games. I want to resolve the matter but I do not trust them. For example, they state a date and try to give me information where by they say I have to express mail the payment to them and I don't have a way of knowing if the Express mail will get there in time or proof if they received it. I want to send it certified and have them sign for it. I truly think that their plan is for me to send the payment (that I have to borrow from friends) and they turn around and sue me anyway for the full amount, making sure that they screw me over for more than half of the amount and adding on the legal fees/etc. Is there a way that I can make sure that I can make the payment without the game playing. One more note, everything that I mention was what happen at first...... the second time we had put together another deadline and they said that they would send me a letter/agreement but they never sent the letter once again making me miss the dead line that they set. It is just really shady what they are doing and the sad thing is, I am trying to work with them, but they are playing games. My other thought is that they want me to borrow the money and put it in my account and they just push the judgement through and freeze my account and screw me over that way. Any help is appreciated in this matter on how to handle it. I just don't trust them. I am sorry that this post is kind of all over the place.....typing fast:o\
  • 11-11-2012, 06:04 PM
    jk
    Re: Decpetive Methods Used to Collect a Debt from Me
    from the USPS concerning express mail:

    https://www.usps.com/ship/express-mail.htm

    Quote:

    Includes signature proof of delivery and delivery status information with our Track & Confirm tool
    so yes, you would have proof of delivery.

    Quote:

    Overnight delivery to most U.S. locations
    The USPS will tell you if it will be overnight delivery and if not, when it will be delivered. It varies with where you are and where you are sending it to.
  • 11-11-2012, 08:33 PM
    mmmagique
    Re: Decpetive Methods Used to Collect a Debt from Me
    Who ARE these people?
    How do you know you owe them the debt?
    Is it still withing the statute of limitations for your state?
    Are you sure they are the ones you are supposed to pay?
    Are you sure they didn't just find out about a debt you owed in the past, and decided to "collect" on it without being the rightful owner of the debt?

    You need to answer these questions before you proceed with any "collection agency" who want to hurry you along rather than prove that they own the debt, have the right to collect, you owe it, and that it's still within the statute of limitations.
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