I called the creditor as soon as I got the first letter and made arragments to pay 50 dollars a month. I sent the payment in and now I have recieved a letter stating that I am not cooperating with them. What should I do?
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Anonymous
ANSWERS: 3
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Best case scenario: They're just a little slow getting your payment into their system or the payment got lost in the mail. Worst case scenario: You're out $50. Did you have any documentation (electronic payment record, voided check, etc) of your payment? Did you get this agreement in writing? I would suggest calling and seeing what's going on. Try to get the repayment plan in writing if you haven't done so already. Make sure that you have proof that you paid. If you have a scanner at home, scan a copy of the check, money order, or whatever form of payment you're using (if it's through the mail) and letter (if any) for every month and keep copies for your records (until you receive a letter from the creditor that you've paid in full). If you don't have an agreement in writing, get one NOW. There are plenty of dishonest debt collectors out there and a written payment plan should hold up in court. I hope that there's just a kink in the system and not a violation of the Fair Debt Collections Practices Act. Best of luck!
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Call again, and again, as often as it takes. Often, one clerk/department does not have enough communication with another. Unfortunately, it is on you to make sure this works out.
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Many letters are computer generated, which means if an account is past due, the system will automatically send you a letter regardless if you've already made a payment. I worked for a credit company for 9 years and this happened frequently. Many computer systems they are using do not have the capability to update your statement immediately to show a payment arrangement. What happens is after so many payments (usually 2-3) then your statement will show the correct amount you agreed to send. You may receive additional letters similar to the one you have for a few more months.
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