I have a collection agency that calls me constantly, IBS Creditors Multisystems. They have refused to provide me a letter concerning the orginal account that I owe. I want to pay this account off, but I am not sure of the balance owed. It was a repo with a balance. Should I try to contact the OC and work out a payment plan or is it too late?
Did they send you a letter within 5 days of the initial contact, notifying you that if you disputed the debt within 30 days, they would provide information on the original debt, including the name of the original creditor? Have you sent them a letter requesting validation, including an accounting of the amount they are trying to collect?
