I got a laugh today. This is what I got from a collection company. Glad I didn't check my mail earlier I needed a good laugh now. I sent them a letter to them stating that they did not notify me I owed this debt before listing it and included my dispute. This really is not my debt,as it is for a reverse osmosis system, and I didn't even know what that was until last week when I asked my Hubby. Dear Ohnostuck: It is of utmost importance that you personally visit our office located at (address here) Lima Ohio regarding this debt. You will be given 5 business days to comply or we will be forced to take legal action against you. *We all use credit- help keep it available* This is communication from a debt collector. Yada yada yada ........ WTH? Can you imagine someone actually doing this? Sure, I will hop right in my car and drive to your State to meet with you, maybe I will accompany the person serving you with my lawsuit!
I'd be scared to be the people in the office. Some folks might come down with a baseball bat and settle their debt. Many hicks in the south..
Oooooooooh!! and it isn't even yours?? Hilarious!! And they threatened you - that's a no no. You get to pass "Go" and collect your money.
Sam thanks for the belly roll! I am still laughing, like ohnostuck I really needed a good laugh bout now, you really filled the ticket! Tuit
i wish i could find threats from creditors funny.i guess i am missing something.i was soooooooooooo niave when i approached my predicament.long story short i thought on my unsecured debt i could just ride out the sol and be done with it. now my husband has a judgment against him and i found out i accidently re-affirmed via a phone call on a cc debt back in 99. i am exhausted!does anyone here no how to negociate with a judgment creditor? thanks! jackrabbit
There is absolutely nothing funny about creditor's threats...I was laughing at the responses to it and trust me if you can't take time to laugh once in awhile you will go completely bonkers!! As to your question, it depends how large the debt is, how much can you pay (one lump sum, or payments) Is the judgment creditor hard or easy to work with? Is he trying to attach your wages, bank accounts etc.? What you can afford to pay will determine how you would negotiate the debt. Maybe start at 50-60% of the debt. Maybe lower if you have nothing for them to go after. I am sure others can and will offer more specific suggestions and answers to help you out. Tuit
