What do you do if a collection agency is fucking with you - GoFuckYourself.com - Adult Webmaster Forum

X

vanillaice

Confirmed User

Join Date: Jul 2004

Posts: 512
Share

Post
#1

What do you do if a collection agency is fucking with you

03-30-2005, 09:29 PM

Ok, off topic from adult shit, but I have a question maybe someone can help with.

Like many people, I got in debt then lost my job and couldn't pay my bills (about 2 years ago). So, last summer I got back into the adult biz and started making cash again, which prompted me to rebuild my credit since I wasn't very far in the hole ($3k or so). I got in touch with one company handling one of my accounts, it is called 'NES of Ohio'. I paid them 70% as a 'buy out' option, and they were supposed to take care of it... this was in November.

They never faxed any credit companies, or even send me a receipt. I called them about 3x now, and each time they said they sent one, but they'll resend. Last time I double checked the address they had, that was clear. Again, no receipt, nothing.

So, I made a dispute on my credit report, and they investigated, and what they reported back to me was the 70% I paid was now off my report, but not as a paid in full like they promised. And to top it off, the remaining money has been building up interest again.

What can I do? Should I call this company again? Should I call credit companies? Am I fucked? Any advice is cool, thanks!
Tags: None
RedShoe

赤い靴 call me 202-456-1111

Join Date: Feb 2001

Posts: 14831
Share

Post
#2

03-30-2005, 09:31 PM

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.

SPECIALTY COSTUMES • PROPS • FX
Superheroes • Monsters • Robots
PM for details

For any manufacturing needs. Adult or otherwise.

aka BonsHigh on Insta
Bonsai weed plants
Comment
SmokeyTheBear

►SouthOfHeaven

Join Date: Jun 2004

Posts: 28609
Share

Post
#3

03-30-2005, 09:32 PM

Make sure your payments go through your bank and are recorded , pay off the full debt , and dont fuck with them anymore its not worth the hassle most likely.

hatisblack at yahoo.com
Comment
SmokeyTheBear

►SouthOfHeaven

Join Date: Jun 2004

Posts: 28609
Share

Post
#4

03-30-2005, 09:33 PM

Originally posted by RedShoe

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.

LOL did you cut and paste that or from memory ?

I started reading it , and was thinking " gee this sounds familiar like some video game i played "

hatisblack at yahoo.com
Comment
sonofsam

Too lazy to set a custom title

Join Date: Dec 2004

Posts: 18642
Share

Post
#5

03-30-2005, 09:33 PM

i think they were just bullshitting to get any amount of money they could from you....

I like turtles.
Comment
Shoehorn!

Die With Your Boots On

Join Date: Oct 2003

Posts: 22872
Share

Post
#6

03-30-2005, 09:35 PM

Originally posted by RedShoe

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.
Comment
reynold

Too lazy to set a custom title

Join Date: Oct 2002

Posts: 51271
Share

Post
#7

03-30-2005, 09:36 PM

Damn, that sucks.
Comment
vanillaice

Confirmed User

Join Date: Jul 2004

Posts: 512
Share

Post
#8

03-30-2005, 09:39 PM

Originally posted by sonofsam

i think they were just bullshitting to get any amount of money they could from you....

Thats what it is sounding like which sucks pretty bad
Comment
sonofsam

Too lazy to set a custom title

Join Date: Dec 2004

Posts: 18642
Share

Post
#9

03-30-2005, 09:40 PM

Originally posted by vanillaice

Thats what it is sounding like which sucks pretty bad

yah man i know... btw.. you were great in the surreal life

I like turtles.
Comment
RedShoe

赤い靴 call me 202-456-1111

Join Date: Feb 2001

Posts: 14831
Share

Post
#10

03-30-2005, 09:43 PM

Originally posted by SmokeyTheBear

LOL did you cut and paste that or from memory ?

I started reading it , and was thinking " gee this sounds familiar like some video game i played "

I did a quick search for it.

It just seemed appropriate.

SPECIALTY COSTUMES • PROPS • FX
Superheroes • Monsters • Robots
PM for details

For any manufacturing needs. Adult or otherwise.

aka BonsHigh on Insta
Bonsai weed plants
Comment
Mr.Fiction

Confirmed User

Join Date: Feb 2002

Posts: 9484
Share

Post
#11

03-30-2005, 09:43 PM

Originally posted by SmokeyTheBear

pay off the full debt , and dont fuck with them anymore its not worth the hassle most likely.

It's not worth risking your credit score for a few thousand dollars.

Don't be lazy, protect free speech: ACLU | Free Speech Coalition | EFF | IMPA
Comment
ffmihai

keep walking...

Join Date: Jun 2002

Posts: 7177
Share

Post
#12

03-30-2005, 09:51 PM

Originally posted by RedShoe

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.

thats fucking crazy... anyways, the debt guy. you think 3k$ its a huge debt? i guess you have to keep all the transactions recorded!
Comment
Adult Insider Bubba

Confirmed User

Join Date: Apr 2004

Posts: 311
Share

Post
#13

03-30-2005, 09:53 PM

I fuck with them back, if I were you!!!!

XxxSexTicket : $25 for FREE memberships even if the surfer cancels!
PornStarBucks : Jenna Jameson, Briana Banks, Jill Kelly, Krystal Steal, and now Tera Patrick!
RevenueGold : $60 per trial; 70% rev share
ICQ: 277077673
Comment
detoxed

vip member

Join Date: Jan 2003

Posts: 17798
Share

Post
#14

03-30-2005, 10:06 PM

Unless you have that in writing it means nothing and you owe the full amount, nothing you can do.
Comment
vanillaice

Confirmed User

Join Date: Jul 2004

Posts: 512
Share

Post
#15

03-31-2005, 02:06 PM

Originally posted by ffmihai

thats fucking crazy... anyways, the debt guy. you think 3k$ its a huge debt? i guess you have to keep all the transactions recorded!

No, I said I wasn't very far in the hole which is why I tried to quickly pay off some of the debts with the buy out amounts offered by the scam collection agencies.
Comment
Pleasurepays

BANNED - SUPPORTING TUBES

Join Date: Aug 2002

Posts: 11913
Share

Post
#16

03-31-2005, 02:07 PM

Originally posted by RedShoe

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.
Comment
fl_prn_str

Confirmed User

Join Date: Aug 2004

Posts: 5736
Share

Post
#17

03-31-2005, 02:12 PM

Originally posted by RedShoe

In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. They promptly escaped from a maximum security stockade to the Los Angeles underground. Today, still wanted by the government, they survive as soldiers of fortune. If you have a problem, if no-one else can help, and if you can find them, maybe you can hire the A-Team.

I pity the fool who gets harassed by collection agencies.
Comment
Herb Kornfield

Is on the 1

Join Date: Sep 2002

Posts: 4996
Share

Post
#18

03-31-2005, 03:30 PM

1. You settled in full on the balance owed at 70%. You didnt Pay in full, BIG difference

2. The company that you paid merely bought the debt from the original creditor. They can take all the time in the world to update your credit report since they are a 3rd party and not the original creditor. Even if they did that today it would only reflect "settled in full" not Paid in Full since you only settled.

3. You will be liable to be taxed on the 30% that was "forgiven" when you paid the 70% settlement. You will get a 1099 form for the 30% that you pocketed from only settling out and not paying 100% in full. This 30% is viewed as income and taxed as such.

4. Anytime you make a deal with a collection agency get the offer to settle in writing, pay them with trackable funds ( cashiers check, etc ) that you can have a copy of as proof that they we in fact paid as agreed. Then get a Settled in full or Paid in full letter where they acknowledge you did resolve your debt. You will need this letter since your credit report will probably never be updated by them and this will show the people that you are asking now for credit that you have indeed fulfilled the obligation as you agreed with the agency.
Comment
Marcus Aurelius

No Refunds Issued.

Join Date: Apr 2003

Posts: 14809
Share

Post
#19

03-31-2005, 03:35 PM

I do think that the A-team may be your best bet, or perhaps knight rider.
Comment
CDSmith

Too lazy to set a custom title

Join Date: May 2001

Posts: 51460
Share

Post
#20

03-31-2005, 03:43 PM

I had sort of a similar experience, sort of. I had terminated service of a certain company years ago, and instead of terminating my account they up and sold it to a collection agency, then they pulled up stakes and moved their local offices down East.SOooo....

After being bothered by said collection agency for six months (over what they said was an outstanding $2500), I went and hired me a good lawyer. Within about a month the collection agency backed off completely, the lawyer cost me $500 and that was that.

I suggest you hire a lawyer to get this cleared up and your record expunged.

Promote Wildmatch, ImLive, Sexier.com, and more!!

ALWAYS THE HIGHEST PAYOUTS: Big Bux/ImLive SIGNUP ON NOW!!!
Put some PUSSYCA$H in your pocket. ICQ me at: 31024634
Comment
MicroChick

Confirmed User

Join Date: Nov 2002

Posts: 1277
Share

Post
#21

03-31-2005, 04:17 PM

I agree with CD. Hire an attorney. Collection agencies are bottom dwellers and they will tell you anything to get your last dime. In California, there is a very powerful State Credit Dept that kicks ass.

I know of one Calif Collection Agency that had its license pulled for actions similar to what you are experiencing. NEVER make deals with collection agencies. Even though the creditor, for instance, Neiman Marcus, may have turned your account over to an agency, contact NM first and tell them your situation. It is worth a shot, even when they want to refer you back to the credit agency.

Most attorneys will talk to you for free and even make a call or write a letter to help you. It's a good thing to have an attorney for a best friend.
Comment
kowntafit

Confirmed User

Join Date: Jan 2004

Posts: 4667
Share

Post
#22

03-31-2005, 05:25 PM

Originally posted by fl_prn_str

I pity the fool who gets harassed by collection agencies.

B.A. Barraca rocks

This is where my next million is coming from!
Comment

Previous template Next

Working...