I have a bill collector calling me. I was wondering if I could pay the original debtor instead of the collection agency. The caller said "No", I'm going to guess that it's a lie. Thank you.
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poetess
ANSWERS: 4
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You owe the collection agency now. I think it works like this: The collection agency pays the debt off, (for a lower amount, but at least the original debtee gets something). Since the collection agency purchased the debt, the people to whom you owed the money in the first place are no longer in the picture. They've been paid. That's why you have to pay the agency. The caller gave you the correct information.
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THe debtor sold your debt to the collection agency. He's already gotten his money, and thus has no interest in you. The collection agency wants to make back its investment, plus profit. You've got them to deal with now.
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Ask for an itemized list of what you owe. Say you want to know exactly what you're being charged for. They'll say it takes about 6 weeks and they'll never send it and usually leavew you alone. Also, this trick works, "I don't owe you any money and never call here again". My dad taught me that one, and they never called again! My fees were misunderstandings or under 1000 dollars. Good Luck.
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But many times if you work with say ask whats the lowest amount I can pay as I am very strapped for money right now, they will quote you lower amount and then give you chance to make it in 1-2 payments and sometimes 3, they set it up by posted checks in advance for certain dates over so many months time. You just have to sound very much as if you will work with them and very broke. But like the others said you will have to pay it sooner or later. If its just plain impossible for you than get the full mailing address and names of who is handling this matter. and send then a letter stating "do not contact me by phone at home or work at any time" give reason why you are unable to pay," no job, disable etc" as is is against the law for them to harass you. This is under the Fair Debt Collection Practices Act and the Federal Trade Commission. For any reason once they have been notified, be sure you send certified so that you know it was received. Note this will still be your debt and go on your credit history as a charged off debt, never goes away.
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