Tilted Forum Project Discussion Community - View Single Post - Library Fine passed to a Collection Agency: How bad is it?

tupacbiff1 · 05-03-2005, 09:55 AM

here is a hint to everybody ever contacted by a CA....NEVER PAY THEM A DIME until they can prove unequivacally the debt is yours.

A couple of easy steps
1. when they call inform them that you can only be contacted via mail. this way if they continue to contact oyu that is harassment and you have them on a violation which you can use a bargining chip.
2. Send a debt verification- a letter making them prove its yours
3. Only pay if they agree to delete it from your credit report. No delete=no pay
4. for $30 bucks they arent going to sue you so no incentive to pay.

Just some quick tips there are alot more tips and deeper more involved thigns you can do. Basically CA try to bully oyu into paying. once they see you are a hard target tehy either sue or move on.

05-03-2005, 09:55 AM	#9 (permalink)
tupacbiff1 Addict	here is a hint to everybody ever contacted by a CA....NEVER PAY THEM A DIME until they can prove unequivacally the debt is yours. A couple of easy steps 1. when they call inform them that you can only be contacted via mail. this way if they continue to contact oyu that is harassment and you have them on a violation which you can use a bargining chip. 2. Send a debt verification- a letter making them prove its yours 3. Only pay if they agree to delete it from your credit report. No delete=no pay 4. for $30 bucks they arent going to sue you so no incentive to pay. Just some quick tips there are alot more tips and deeper more involved thigns you can do. Basically CA try to bully oyu into paying. once they see you are a hard target tehy either sue or move on.