Quote:
Originally Posted by bigdirty
not Impossible. I living proof. I ran up a debt on a credit card( about 1200) over TEN years. well anyway didnt pay, so the company gave up after a while and gave it to a collection agency. well they tried for a while soon it was passed from one agency to another year after year. this went on for YEARS untill finally one company pulled some new tatics. They got a court ruling and found my place of employment. BAM garnished my wages. Left job found new one BAM tracted me down again. hell were ever I go they find me and take a little every week. Whats worse the original 1200 multiplied to3500 from various bullshit penilities.
if you got any advice help me the fuck out
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Read what I wrote earlier regarding credit validation. It can and should be done at any point in time, regardless if you've already started paying. Once you request validation they have to stop their collection for 30 days and respond by either giving you proper validation or dropping it. Sometimes they respond with something that doesn't even prove you owe the debt and tell you it's now validated. If so, you come back at them and demand again with a different type of validation letter. There are other steps to take after that but it will derail this thread. First step for you is Validation Letter and send it via certified mail with return receipt. That way they have to sign it once received and you'll get a receipt showing it so they can't say they didn't receive your request. If you need more check out this forum:
http://creditboards.com/forums/index.php?showforum=2
It's the best I've come across regarding credit, collection agency shady practices and how to fight them.