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

vanillaice · 03-30-2005, 11:29 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!

RedShoe · 03-30-2005, 11:31 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.

SmokeyTheBear · 03-30-2005, 11:32 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.

SmokeyTheBear · 03-30-2005, 11:33 PM

Quote:

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 "

sonofsam · 03-30-2005, 11:33 PM

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

Shoehorn! · 03-30-2005, 11:35 PM

Quote:

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.

reynold · 03-30-2005, 11:36 PM

Damn, that sucks.

vanillaice · 03-30-2005, 11:39 PM

Quote:

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

sonofsam · 03-30-2005, 11:40 PM

Quote:

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

RedShoe · 03-30-2005, 11:43 PM

Quote:

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.

Mr.Fiction · 03-30-2005, 11:43 PM

Quote:

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.

ffmihai · 03-30-2005, 11:51 PM

Quote:

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!

Adult Insider Bubba · 03-30-2005, 11:53 PM

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

detoxed · 03-31-2005, 12:06 AM

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

vanillaice · 03-31-2005, 04:06 PM

Quote:

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.

Pleasurepays · 03-31-2005, 04:07 PM

Quote:

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.

fl_prn_str · 03-31-2005, 04:12 PM

Quote:

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.

Herb Kornfield · 03-31-2005, 05:30 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.

Marcus Aurelius · 03-31-2005, 05:35 PM

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

CDSmith · 03-31-2005, 05:43 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.

MicroChick · 03-31-2005, 06:17 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.

kowntafit · 03-31-2005, 07:25 PM

Quote:

Originally Posted by fl_prn_str

I pity the fool who gets harassed by collection agencies.

B.A. Barraca rocks

03-30-2005, 11:29 PM	#1
vanillaice Confirmed User Join Date: Jul 2004 Posts: 512	What do you do if a collection agency is fucking with you 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!

03-30-2005, 11:31 PM	#2
RedShoe 赤い靴 call me 202-456-1111 Industry Role: Join Date: Feb 2001 Location: The Valley Posts: 14,831	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

03-30-2005, 11:32 PM	#3
SmokeyTheBear ►SouthOfHeaven Join Date: Jun 2004 Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer Posts: 28,609	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

03-30-2005, 11:33 PM	#5
sonofsam Too lazy to set a custom title Join Date: Dec 2004 Location: Vancouver Posts: 18,638	i think they were just bullshitting to get any amount of money they could from you.... __________________ I like turtles.

03-30-2005, 11:53 PM	#13
Adult Insider Bubba Confirmed User Join Date: Apr 2004 Location: Minneapolis Posts: 311	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

03-30-2005, 11:36 PM	#7
reynold Too lazy to set a custom title Join Date: Oct 2002 Location: Global Traveler Posts: 51,271	Damn, that sucks.

03-31-2005, 12:06 AM	#14
detoxed vip member Join Date: Jan 2003 Posts: 17,798	Unless you have that in writing it means nothing and you owe the full amount, nothing you can do.

03-31-2005, 05:30 PM	#18
Herb Kornfield Is on the 1 Industry Role: Join Date: Sep 2002 Location: Philly Burbs Posts: 4,996	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.

03-31-2005, 05:35 PM	#19
Marcus Aurelius No Refunds Issued. Industry Role: Join Date: Apr 2003 Posts: 14,809	I do think that the A-team may be your best bet, or perhaps knight rider.

03-31-2005, 05:43 PM	#20
CDSmith Too lazy to set a custom title Industry Role: Join Date: May 2001 Location: My network is hosted at TECHIEMEDIA.net ...Wait, you meant where am I located at? Oh... okay, I'm in Winnipeg, Canada. Oops. :) Posts: 51,460	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

03-31-2005, 06:17 PM	#21
MicroChick Confirmed User Join Date: Nov 2002 Location: California Posts: 1,277	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.