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Now what? Ok, I took care of the first collection agency, temporarily anyway, by telling them I am not paying. Now I have received a notice from my local circuit court stating that I have 20 days to notify them of my intent, I think, on a separate collection agency. This notice was sent from...

I contacted my bank about stopping automatic drafts from coming out of my account. It didn't cost too much. Now I can sit back and dread all the nasty phone calls and letters from the collection agency!!

I don't care about my credit anymore. I know it is important, even for some job applications. But, it seems beyond repair at this point. The credit card companies won't even listen to me now. So, even if I can get to where I could afford to pay all in full, it would have to be paid to the...

I agree I agree w/ you on the credit thing. I wish I'd always stuck to my guns, but I got weak. I just called the collection agency and told her she violated the FDCPA, which she denied. She said she never told me was going to go to litigation for wage garnishment. I told her she did, blah...

thanks again One last thing(?), then hopefully I'll have enough nerve. What, if any, rules or whatever from the Fair Debt Collections Practice Act should I be armed with when I call to tell them not to take any more money from my bank account? Keep in mind, I verbally agreed to make the...

thanks so much Thank you for your help. So, even though the credit card company told me they didn't sell it, I still don't have to deal with the collection agency? The credit card co said they placed it w/ the agency. I specifically asked "Did my account get sold?" They said it did not...

I was contacted by a collection agency about my credit card. (The credit card company said they didn't sell the debt, so maybe it's an internal collection agency?) They were rude and insistent, even threating wage garnishment. I succumbed and agreed to pay them $130/month until the amount is...