Question about this topic . I recently called up ( what I thought was an attorney group) to try and settle a debt , they agreed and sent me a settlement letter ( which for some reason took 10 days past the postmark to get to me , I live in New York , collection company is in PA ..) , When I finally got the letter the ONLY dated information was for when the debt had to be paid..
So got a call from the company ( which now is only known as a Professional Debt Collection Comp , not attorney ) , the collector asked me where the payment was , I told them I haven't got the letter yet , and want it for my records as proof , he went on to tell me that was a load of crap , and I had no intention of paying this , and if not paid today he will pass it on to his legal ( told the guy that my calls are recorded from this phone , he didn't care) "Dept. , while this was going on my nosy 10 year old son kept asking me and was getting upset , what's going on , I finally said to my son , mind your own business , and the collector says " excuse me , were you talking to me , rudely , I said no I was talking to my son , The collector went on to say you should teach him not to be a dead beat like you ( as in me) , I went on to say to him that I called you and planned on paying my debt and could have disputed this account , he went on to say I will fax you letter and you can pay once I get it , went on to degrade me because , I don't know anyone with a fax machine , that I could get to.. He said I will here from you soon and hung up..
After reading over that I ask a couple questions:
1. I don't actually record calls , is there anything I could do to pursue this or is this not considered harassment.
2. Any Advice , this account is for a $500 balance so , not sure if it is worth it to pursue legal action?
Thank you in advance..
4-2009
Equifax 605
Experian 615
Trans 649
