Washington State. I decided not to work with this collection agency and I sent them a letter stating this (certified mail, return receipt). The reason I decided not to work with them was (1) the 2 payments I made to them they took for ever to post to the account with the org. creditor and (2) they would not give me something in writing saying that we agreed on monthly payments. I received a letter form them today saying I need to pay or they will take further action. They said I broke my promise to pay, but I never agreed on an amount or date I would pay. I dont know what to do. I mailed out my payment to the org. creditor yesterday. The collection agency did not buy the debt for my creditor. I was behind on the debt by 5 months, and I am now caught up. My regular payment amount is now showing on my statement. Can this collection agency sue me or do anything to me even though they have received my letter? Will the creditor try to sue me even if I am current on my account? The amount I owe is around 600.00 dollars. Thank you,
Collection agencies are hired by the creditors, if you decide to pay the creditor directly then the collection agency can not sue you, however you did agree to pay the collection agency and then you backed out on the agreement and did not send them anymore payments, there for the collector could add negatives to your credit file for being late on your agreed paymets with a brand new 7 year clock attached to those negatives. NEVER deal with a collection agency. Alex ----------- Free Credit Repair Help! http://www.Creditinsiders.com
Why don't you try calling the creditor and let them know that they are still sending you statements showing current, so why are they having a collection agency contact you. Tell them to call the ca and take the account back.
