Best Way to Approach Hunter Warfield?

AprilShowers4 · ‎06-05-2012

Hey!

Well I have an eviction from 2010, and hunter warfield is collecting the debt. About 2300 to be exact. I am so afraid of anothe public record going on my my credit report. Just feels like I will never get out of this mess. I can pay a little each month but I cant pay in full right now. Do you guys have any advice.

Starting Score: 635
Current Score: 644
Goal Score: 700

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JPersat · ‎05-28-2012

As long as you keep to your payment agreement I don't think they can file a judgement on you.

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

rckstrscott · ‎04-25-2011

JPersat wrote:
As long as you keep to your payment agreement I don't think they can file a judgement on you.

That is assuming HW will do a payment plan.. The refused with me... but it was a pretty small debt, so I wound up paying in full....

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

JPersat · ‎05-28-2012

I was able to settle and make two payments...they promised to delete over the phone (before I knew better) and they didn't..so I did a BBB complaint..we'll see what comes out of that..

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

rckstrscott · ‎04-25-2011

JPersat wrote:
I was able to settle and make two payments...they promised to delete over the phone (before I knew better) and they didn't..so I did a BBB complaint..we'll see what comes out of that..

I hate HW! lol I fought them for a year after payment to get a delete.. finally was successful a year later

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

AprilShowers4 · ‎06-05-2012

That is what scares me because I do not have that kind of money. All of my other bills will be ignored if I PIF.

Starting Score: 635
Current Score: 644
Goal Score: 700

Take the FICO Fitness Challenge

rckstrscott · ‎04-25-2011

AprilShowers4 wrote:
That is what scares me because I do not have that kind of money. All of my other bills will be ignored if I PIF.

Well;; I would call and see what they will do... it can't hurt.. you need to know -- because if the debt is within the SOL, they can sue you at any time --- so explain to them you do not have the money to pay, and you are looking to settle and work out a payment plan..

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

AprilShowers4 · ‎06-05-2012

I will call them, I will update the post with their response.

Starting Score: 635
Current Score: 644
Goal Score: 700

Take the FICO Fitness Challenge

versaille123 · ‎12-27-2012

these answers were not helpful. I'm sure there's a legal way to deal with collection agencies??

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