Hello. I am seeking some advice on how to handle a broken rental lease and CA problem. We had no intention of breaking our lease on our apt., the penalty is two months rent for doing so. But, we ended up doing it and bought a t/h. We were given 15 days to pay $1689 or be turned over to collections. I wasn't too worried because I thought I had myself covered. I spoke with the property mgmt. company and was assured that I would be able to make payments on the amount owed to the CA. The mgmt. company was unable to keep track of my payments, therefore needed to use the CA. I am 99% resentful of having to pay this amount of money, but I am willing just to keep our credit good. When I got the notice from the CA, i called them right away so I could start making payments to them. I was respectful and cooperative. The rep was rude and started to become belligerent as our conversation progressed. He suggested I borrow the money or give him a cc #. I tried to tell him what I thought I had worked out but he wouldn't let me get a word in edgewise. He told me they would not accept my $25, if it was sent in, they wouldn't accept it, then he told me they would take further action and slammed the phone down. Talk about depressing. I do not want our credit which is good, destroyed. I got an automated phone call from a different CA, but hung up on it. So now, where am I? My mom told me to send it in anyway. Just pulled my credit from equifax, it lists no collections. I know the CA can verify the debt, do I spend the time having them do it? Should I request my debt be sent to the original creditor? Or should I just blow it off? I tried to negotiate with the mgmt. company before we ever gave notice, told them I would pay $850, was told no. Kinda makes no sense to me now since the CA will get paid that much probably, the mgmt. company will still not get their full amount. How likely is it that the 1st CA already turned me over to a sister company? and why? If I don't have $1500 to pay them up front, I won't have it for the next company either. Thanks.
well, I can spend an awful lot of time telling you how to handle the problem of the phone calls but you can find it in any one of my posts here on creditnet telling folks how to handle phone calls in a way that will get them off your back real quick. You can search for it here on creditnet or you can find out without searching by simply sending an email to course1@autobotinfo.com and it's all right there for you to read and understand. It's free and there is no obligation whatever. Read and enjoy. And don't worry about your email provacy because nobody is going to send you any other mail either. I won't and I don't harvest the email addresses of nobody. I don't even get them so I couldn't if I wanted to.
thanks Bill. it's not so much a problem of the CA calling me as the problem of them not dealing with me. I have been looking around the site, alot pertains to cc's. I realize that the CA doesn't have to take my payments, I'm just confused on what to do. I have a feeling I should just send a cease and desist letter, refer the debt back to the property mgmt. company and maybe negotiate with them.
Some people definitely feel that is a good way to go. Send a cease & desist letter and try to get it back to the creditor and deal with the creditor. Maybe it is. The idea of using a cease & desist seems awfully dangerous to me because it can most definitely be an open invitation for them to sue instead of returning it to the creditor. If it were my choice to make I would not be afraid of a judgment because I know how to get them vacated without too much trouble but if one does not know how to do that it can get awfully expensive and difficult because finding an attorney willing to go tell a judge he had no right to rule on a judgment isn't easy and attorneys are never cheap. Them suckers don't work for free very often. I'd far rather work with collectors and make them pay the bill they were trying to collect. That isn't all that hard to do because they always break some law or other and once they do that they got a real hard time trying to get anywhere. There is always more than one way to skin a cat and one just has to figure out which way he feels most comfortable with. The course I suggested to you isn't just about how to deal with unwanted phone calls. It is a series of 10 lessons that come to you 1 every 3 days and goes into a lot of different things. Its really informative, goes into explaining some of the laws and court rulings that we have to work with no matter how we decide to try to cure the problems we have. Whatever method you decide is best for you I would strongly advise that you do as much homework and study as possible and be certain you know what you are doing before you finally decide so that you don't do something wrong. Here is wishing you lots of luck getting your problems cured.
okay, i did it, i couldn't help myself. i called the CA so i could get the 2nd CA's #. I spoke with the "manager". He told me it was being referred out for judgement. That we live in a garnishable state and they are not a finance company and they can garnish wages. He also said they will take $1241, saving me some money. If we have to do a hardship case, that is only allowable for 3 months and it will go on our credit record. He suggests that I pay using a cc, but will give me time to think about it. He also told me that the Oc will not speak with me now, he told me to try it. Guess I will. I really can't come up with $400 a month, especially to have a collections on my record if it is paid, I would resent the heck out of that. My main concern is that our util bills fluctuate so much, I am sitting here freezing my butt off now, I have to be able to pay for util and water. Did that scare me, or should what this guy told me scare me, or do I still have time? he also told me that my payments don't affect their paychecks, so they don't really care if i pay or not.
