Anonymous
02/28/2014 15:00
Subject: Re:Being jerked around by a collections agent
Anonymous wrote:Update as of yesterday:
I sent a check for the amount they offered in their letter (60% off letter). They refused it and sent it back. They didn't state in the letter why they refused it and they didn't mention the offer even though I included it with the letter. They only said "call us at your earlier convenience." They called me twice at work today and the second time I called them back and told them never to call me on the phone again (especially at work) and if they have something to say to say it in writing. So, does anyone know what I can expect next? What should I do at this point?
STOP TRYING TO DEAL WITH THIS ON YOUR OWN. GET A CONSUMER PROTECTION LAWYER. I am sorry for yelling but I said this many times above and you apparently haven't done it yet.
Anonymous
02/28/2014 14:51
Subject: Re:Being jerked around by a collections agent
Update as of yesterday:
I sent a check for the amount they offered in their letter (60% off letter). They refused it and sent it back. They didn't state in the letter why they refused it and they didn't mention the offer even though I included it with the letter. They only said "call us at your earlier convenience." They called me twice at work today and the second time I called them back and told them never to call me on the phone again (especially at work) and if they have something to say to say it in writing. So, does anyone know what I can expect next? What should I do at this point?
I sent a check for the amount they offered in their letter (60% off letter). They refused it and sent it back. They didn't state in the letter why they refused it and they didn't mention the offer even though I included it with the letter. They only said "call us at your earlier convenience." They called me twice at work today and the second time I called them back and told them never to call me on the phone again (especially at work) and if they have something to say to say it in writing. So, does anyone know what I can expect next? What should I do at this point?
Anonymous
02/21/2014 19:02
Subject: Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Are you sure they go away after a certain amount of time? Why is there bankruptcy proceedings then?
Because people get sued WITHIN statues of limitation. If the debt collector fails to sue, the debt absolutely goes away (depends on the state how long that is).
Does it depend on the type of debt? So mortgages, medical bills and student loans are for a lifetime?
Yes, it depends on the type of debt.
All those debts are subject to the statute of limitations. The proposition was, "debts never go away." That proposition is simply false.
Anonymous
02/21/2014 16:52
Subject: Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Are you sure they go away after a certain amount of time? Why is there bankruptcy proceedings then?
Because people get sued WITHIN statues of limitation. If the debt collector fails to sue, the debt absolutely goes away (depends on the state how long that is).
Does it depend on the type of debt? So mortgages, medical bills and student loans are for a lifetime?
Yes, it depends on the type of debt.
Anonymous
02/21/2014 16:51
Subject: Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Are you sure they go away after a certain amount of time? Why is there bankruptcy proceedings then?
Because people get sued WITHIN statues of limitation. If the debt collector fails to sue, the debt absolutely goes away (depends on the state how long that is).
Does it depend on the type of debt? So mortgages, medical bills and student loans are for a lifetime?
Anonymous
02/21/2014 16:47
Subject: Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Are you sure they go away after a certain amount of time? Why is there bankruptcy proceedings then?
Because people get sued WITHIN statues of limitation. If the debt collector fails to sue, the debt absolutely goes away (depends on the state how long that is).
Anonymous
02/21/2014 16:42
Subject: Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Are you sure they go away after a certain amount of time? Why is there bankruptcy proceedings then?
Anonymous
02/21/2014 16:35
Subject: Re:Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:How much are we talking here, sounds to me it would be too little to involve a lawyer. If I were you, I would do nothing. Stand by the 60% or nothing. They will come back to you because they'd rather collect something than having to pursue a lawsuit. Also, are your sure the landlord did not rent the place again right away? What about your security deposit?
The total is less than $2100 and they applied the small security deposit towards what I owed. The settlement was for around $800. I have no idea if they rented the place. They told me they had six units the same size sitting empty and that's why they couldn't even try to rent mine.
It is not your concern if they rented the place or not. You signed a contract with the landlord to pay x amount of rent each month for y amount of time. When you breach that contract you usually are immediately on the hook for rent remaining on the lease.
Not pursuant to the VRLTA in Virginia, and I'm sure DC and MD have similar requirements that LL's mitigate their damages.
You think you know the law but you do not.
Anonymous
02/21/2014 16:34
Subject: Being jerked around by a collections agent
Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Ridiculous. Debts go away all the time, it's called statute of limitations.
Anonymous
02/21/2014 16:33
Subject: Re:Being jerked around by a collections agent
* I think it's spelled moot. Sorry.
Anonymous
02/21/2014 16:32
Subject: Re:Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:Anonymous wrote:How much are we talking here, sounds to me it would be too little to involve a lawyer. If I were you, I would do nothing. Stand by the 60% or nothing. They will come back to you because they'd rather collect something than having to pursue a lawsuit. Also, are your sure the landlord did not rent the place again right away? What about your security deposit?
The total is less than $2100 and they applied the small security deposit towards what I owed. The settlement was for around $800. I have no idea if they rented the place. They told me they had six units the same size sitting empty and that's why they couldn't even try to rent mine.
It is not your concern if they rented the place or not. You signed a contract with the landlord to pay x amount of rent each month for y amount of time. When you breach that contract you usually are immediately on the hook for rent remaining on the lease.
Actually, they have to make reasonable efforts to rent the place (the lease says so). What's reasonable could be argued I guess and I wasn't going to push them on it since there was less than two months left on the lease. So, you are wrong about being immediately on the hook for the remainder. Either way, your point is mute since I'm not trying to dispute that the debt is mine. I know it is. I'm trying to figure out why the collections agency sent me an offer they are not standing by.
Anonymous
02/21/2014 16:27
Subject: Re:Being jerked around by a collections agent
Yep, think they will have a harder time trying to come after you once they cash the check.
Anonymous
02/21/2014 16:26
Subject: Re:Being jerked around by a collections agent
Anonymous wrote:Anonymous wrote:How much are we talking here, sounds to me it would be too little to involve a lawyer. If I were you, I would do nothing. Stand by the 60% or nothing. They will come back to you because they'd rather collect something than having to pursue a lawsuit. Also, are your sure the landlord did not rent the place again right away? What about your security deposit?
The total is less than $2100 and they applied the small security deposit towards what I owed. The settlement was for around $800. I have no idea if they rented the place. They told me they had six units the same size sitting empty and that's why they couldn't even try to rent mine.
It is not your concern if they rented the place or not. You signed a contract with the landlord to pay x amount of rent each month for y amount of time. When you breach that contract you usually are immediately on the hook for rent remaining on the lease.
Anonymous
02/21/2014 16:23
Subject: Being jerked around by a collections agent
Anonymous wrote:you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.
Can't pay what you don't have. The reason I moved out and didn't pay is because I had no money. Now that I do, I'm trying to settle the debt.
Anonymous
02/21/2014 16:21
Subject: Being jerked around by a collections agent
you should pay the rent in full first and then the other debts. I don't understand why you can't get on a payment plan. You owe the money it's not going away.