Ean Two Dollars by Giving me advice!! First off I wish I had found this place sooner.... Anyway, my debt is a CC in the amount of 5400 dollars. Stupid college purchases,etc. At this point the bill has been turned over to a collection agency and they have (for the last three months or so) been calling. Originally I agreed to pay 500-600 a month, but soon realized it was out of my means and didn't pay (after reading a few posts I realize negotiationg a payment plan will hurt my cause). Now the CA has started to call my parents home (I am full time student in CT, but my "permanent residenace" is in RI, although i am there all of 2 weeks a year). What can I do to stop them from calling my parents home, I know this sounds silly, but I do not want my parents dragged into this..... At this point I can make payments of 150-200 a month, but I want to know which of the letters I should send in order to stop the calls. I have read through the forum and at this point don't think i need a verification (i am assuming my negotiatiing payment meant I accepted the loan legally), so do i just set up a cease and desist letter with a clause that suggests I will negotiatie new monthly payments in writing? I appreciate any help you credit gods can offer.... Just to be clear, I have never made a payment to them todate. I am in sort of a rush....I have 2 bucks left in my paypal account, so anyone who gives me sound advice (letters, course of action, etc) will get it via paypal...
Ean Two Dollars by Giving me advice Okay..I'll tell you guys what I was going to do...and you tell me if it is right....I was looking through some of the C & D leters and saw that some of them suggested I could cancel all communication with the CA and instead restart comunication with the original creditor, the Credit card company that I earned the debt with. I have heard some good things about the programs they offer, but I realize that to much time may have elapsed for them to help me...
