I am new to this board, I am glad I found it.
I have a debt with Capital One. The balance was $500. Unfortunately, because of financial problems, I wasn't able to keep up the payments and now it is $1056 with the "over limit fees." Last week I learned the account was turned over to Academy Collection Services. These are the most arrogant, abusive people I have ever dealt with. For starters, they call me daily at work. The first time I didn't even know what it was about and this "manager" got on the phone, was abusive, would not let me get a word in edgewise, told me I thought I was above the law, would not even entertain any discussion of smaller payments. Then I get a letter from them on Feb. 24 informing me of a settlement offer that was good until 4-4. Yesterday, I got a phone call from another fine fellow there. He harassed me for a good half hour, telling me I had to resolve this matter in 24 HOURS, telling me they already had a judgment when I know good and well you have to have a lawsuit first (I'm a paralegal). He also advised me to NOT MAKE MY CAR PAYMENT and pay them instead. I find this to be unethical to say the least. I have sent them a C&D letter regarding contacting me at work. My question is, aren't they obligated to get the money for their client, so if I am willing to make arrangements on payments, don't they have to take them? They called again today and we just put them on hold until they hung up. They have been told not to call me at work. I filed a complaint online with the BBB in Philadelphia regarding the unethical suggestion re: not paying one creditor to pay them instead.
I have a debt with Capital One. The balance was $500. Unfortunately, because of financial problems, I wasn't able to keep up the payments and now it is $1056 with the "over limit fees." Last week I learned the account was turned over to Academy Collection Services. These are the most arrogant, abusive people I have ever dealt with. For starters, they call me daily at work. The first time I didn't even know what it was about and this "manager" got on the phone, was abusive, would not let me get a word in edgewise, told me I thought I was above the law, would not even entertain any discussion of smaller payments. Then I get a letter from them on Feb. 24 informing me of a settlement offer that was good until 4-4. Yesterday, I got a phone call from another fine fellow there. He harassed me for a good half hour, telling me I had to resolve this matter in 24 HOURS, telling me they already had a judgment when I know good and well you have to have a lawsuit first (I'm a paralegal). He also advised me to NOT MAKE MY CAR PAYMENT and pay them instead. I find this to be unethical to say the least. I have sent them a C&D letter regarding contacting me at work. My question is, aren't they obligated to get the money for their client, so if I am willing to make arrangements on payments, don't they have to take them? They called again today and we just put them on hold until they hung up. They have been told not to call me at work. I filed a complaint online with the BBB in Philadelphia regarding the unethical suggestion re: not paying one creditor to pay them instead.