Settlements with collections

Settlements with collections

Hello, I was wondering if anyone has had good results with settling with collection agencies?

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  1. #1
    Lucy Anderson
    Guest

    Default Settlements with collections

    Hello,



    I was wondering if anyone has had good results with settling with collection

    agencies?



    Per a website:



    The collection agency purchased the debt from the original creditor for

    pennies, so you can offer them like 25%.



    I had to break a lease because the apartment I was in was dangerous for a

    single woman and the management did nothing. When I moved in there was no

    hot water for the first two days. The "gated community" was anything but

    gated and they did not fix it. I had to call the police to chase drug

    dealers from my parking spot. The upstairs neighbor cursed and screamed at

    me in front of my small child the day we moved in, he screamed at his

    girlfriend upstairs so badly that I had to call police, he got into a fight

    in the parking lot one night, and he ripped out the handrailing to my

    apartment on the way up to his because he was angry. Management continued

    to turn a blind eye, so I left because I had just been through a round of

    domestic violence and couldn't take any more.



    I tried to make payments on the 1.5 months rent they charged as lease

    breakage and they returned the checks, stating that they only accepted

    payment in full. They turned me over to a collection agency who immediately

    added horrible fees and interest. I made payments to the collection agency,

    which they accepted but kept sending me letters of "this is not

    acceptable." They sent it to court without telling me and then obtained a

    garnishment, except that they named a workplace where I no longer worked, so

    that got them nowhere.



    I'd like to settle this and get it off my credit record, as I'm clean

    otherwise (except for ex-husband's debt), since it has been harmful when

    attempting to rent now. Any tips?








  2. #2
    sweetelle
    Guest

    Default Settlements with collections

    Nobody can get a garnishment unless they serve you papers. You can be served several ways. If you think this was done incorrectly you can fight it,but the burden of proof is on you. Garnishers can only take 25 % of your wages after taxes. Once things have gone this far you are stuck paying. Unless you file for bankruptcy. Good Luck, Ellen

     
    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  3. #3
    D S
    Guest

    Default Settlements with collections

    For this situation, you should join the Dave_Ramsey_Debt_Beater Yahoo Group. Someone there will be able to answer you directly! Denise

    Lucy Anderson wrote: Hello,

    I was wondering if anyone has had good results with settling with collection
    agencies?

    Per a website:

    The collection agency purchased the debt from the original creditor for
    pennies, so you can offer them like 25%.

    I had to break a lease because the apartment I was in was dangerous for
    a
    single woman and the management did nothing. When I moved in there was no
    hot water for the first two days. The "gated community" was anything but
    gated and they did not fix it. I had to call the police to chase drug
    dealers from my parking spot. The upstairs neighbor cursed and screamed at
    me in front of my small child the day we moved in, he screamed at his
    girlfriend upstairs so badly that I had to call police, he got into a fight
    in the parking lot one night, and he ripped out the handrailing to my
    apartment on the way up to his because he was angry. Management continued
    to turn a blind eye, so I left because I had just been through a round of
    domestic violence and couldn't take any more.

    I tried to make payments on the 1.5 months rent they charged as lease
    breakage and they returned the checks, stating that they only accepted
    payment in full. They turned me over to a collection agency who immediately
    added horrible fees
    and interest. I made payments to the collection agency,
    which they accepted but kept sending me letters of "this is not
    acceptable." They sent it to court without telling me and then obtained a
    garnishment, except that they named a workplace where I no longer worked, so
    that got them nowhere.

    I'd like to settle this and get it off my credit record, as I'm clean
    otherwise (except for ex-husband's debt), since it has been harmful when
    attempting to rent now. Any tips?




     
    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  4. #4
    me ow
    Guest

    Default Settlements with collections

    She may also want to seek a "pro bono" attorney be

    contacting her local bar association.

    --- D S <denise_house1@yahoo.com> wrote:



    >

    > I was wondering if anyone has had good results with

    > settling with collection

    > agencies?

    >



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