getting hassled for $200 - Page 2 - PeachParts Mercedes-Benz Forum

#1 11-02-2005, 07:35 PM

JenTay PAY IT.

I've seen way too many deals fall flat because someone didn't pay a stupid little bill because of principle or get pounded by interest rates. If the item is already on your credit report don't pay unless they take it off. It may seem odd but if you pay the bill that is already on your credit report it will renew the account and the 7 year clock starts ticking again.

If the creditor is bugging you you can fax them a stop call letter and they have to stop.

I had a phone bill on my CR from school daze and once I found that is was there I paid it and my credit score dropped, so lesson learned.

Browse this site:

http://www.creditwrench.com/

Hatterasguy · #2 11-01-2005, 02:30 PM

Every state has a statue of limitations on debt collection. Find out what your states is and then how much time until you are outside of it. Chances are you are close thats why they are calling you.

If it isn't on your credit report I'd ignore them and they will go away. For $2k I'd worry about being taken to court but for $200 they are not going to.

diametricalbenz · #3 11-01-2005, 04:10 PM

The one of credit companies put a lean on my g/f's credit when we were disputing fraud with Uhaul when her purse and my WRX was stolen. Even now her credit is still screwed up even though we provided them with the police reports because they said we were delinquent paying them $1000 for charges that were accumulated by the robbers!!

UHAUL sucks BTW

sfloriII · #4 11-01-2005, 06:41 PM

Just a few months ago I had the state of MD after me. They said I owed over $2500 in back taxes. I had my tax guy send them a copy of my tax return from the year in question. A few weeks later they sent me a letter informing me that as far as they were concerned, the matter was closed.

I asked him why they would do this in the first place. He said some states routinely send out letters like that to people saying they owe money. Fact is, some people get so scared, they roll over and simply pay money they don't owe!

I'm not a big fan of MD.... (And yes, I grew up there.)

boneheaddoctor · #5 11-01-2005, 09:38 PM

Quote:

Originally Posted by sfloriII

Just a few months ago I had the state of MD after me. They said I owed over $2500 in back taxes. I had my tax guy send them a copy of my tax return from the year in question. A few weeks later they sent me a letter informing me that as far as they were concerned, the matter was closed.

I asked him why they would do this in the first place. He said some states routinely send out letters like that to people saying they owe money. Fact is, some people get so scared, they roll over and simply pay money they don't owe!

I'm not a big fan of MD.... (And yes, I grew up there.)

I lived there from 1981 thru 1987........no I am no fan of MD either.

Palangi · #6 11-01-2005, 10:22 PM

Ask the collection agency if they would be willing to settle the debt for 20 bucks, since that's all the service was worth. You never know, they might go for it or make a counter offer.

Plantman · #7 11-03-2005, 04:00 PM

Additionally, not all collection companies report to credit bureaus. If I am not mistaken, there is a fee with being able to do so. So if it's a rinky dink collection agency, they may not report it.

I suggest getting a copy of your 3 in 1 report and seeing for yourself.

the collection agency.

My wife just got a call from a collection agency regarding some 59.00 balance that is 10 years old, prior to us getting married. I told the broad about it being so old and not being on her report anymore. She told me that they will put it on if she doesn't pay.

I asked her, if she ever heard of the fair credit reporting act and she hung up on me.