Good Morning,
I received a Summons, not to appear, but to answer the complaint within 28 days from a 3rd party debt Collector.
I fell behind on a credit card, talked with the "in-house" collection agency in September and made arrangements for half of the over limit/past due amount to be taken out that month, and we agreed that I would call back and make the arrangement the following month for the remaining 50%. This was done over the phone. I have nothing in writing stating that the 2 payments would bring my account current, just an oral agreement, and possibly the recording of our conversation on their end.My understanding is that once this amount was paid, the account would be current, and my payments would be what they were before becoming late.
I received a Statement confirming that I made the first arrangement.Then I received a letter from the 3rd party Collector stating that they had the file and that they wanted the total amount. I sent a letter within 30 days stating that I believed that they had my "file" by mistake, and that I had made arragements through the in-house collections, giving the name of the person that I had spoken with, and a detailed description of the conversation.
I did not hear back within 10 days, so I made the second half of the agreed upon amount at the end of October.
The 3rd party called on the 1st of November and I, again, stated that I had an agreement with the in-house collections and they should send me a letter stating the validation.
I also made another payment at the end of November, and will be making another before I answer the Complaint.
I have not received a Statement from the original Creditor since the one I received in September.
Sorry for the long post....I am just frustrated with this ordeal.![]()
What should I do?
Thanks in advance,
JFR

