topic Re: Please Help! in Rebuilding Your Credit

Please Help!

vpanos1787 — Sun, 24 Mar 2013 02:03:30 GMT

My husband who is in the military is trying to further his career and they did a background check on this new job position and an old outstanding bill from 2007 popped up from EOS CCA for an old AT&T bill that wasn't paid. AT&T sold it to EOS CCA in 2009 so that's the date it officially started on the credit report.

We need this fixed ASAP! However, the bill the last time we looked at it years ago was around $600.00. By the time AT&T sold it to EOS CCA it was at $2,000 and today it is $3716?!?@!?@?

Can someone give us advice on how to settle this with them and get it off or get it fixed? We don't have $3716 to give them.

Any advice would be great! Thank you in advance.

Re: Please Help!

Anonymous — Sun, 24 Mar 2013 02:37:23 GMT

What I found during my investigation was that if you had some arrangements made to pay it it was ok. It didn't need to be off the report he just needs to prove he has made arrangements to pay the debt.

Re: Please Help!

boomhower — Sun, 24 Mar 2013 03:10:46 GMT

Do some reading on the applicable laws. You owe $600. The collection agency cannot tack on interest and charges, you owe what was sold off by AT&T.

Re: Please Help!

vpanos1787 — Sun, 24 Mar 2013 04:00:49 GMT

Thank you both very much!!

Re: Please Help!

Anonymous — Sun, 24 Mar 2013 04:08:12 GMT

A CA can tack on interest and fees if the OC contract says they can and your state laws allows it. There are limits.

Re: Please Help!

RobertEG — Sun, 24 Mar 2013 06:53:17 GMT

What can and cannot be collected is set forth in FDCPA 808(1)

Bottom line is that they cannot attempt to collect any amount that is not specficiallly authorized in the account agreement that created the debt or is otherwise permitted by law.

Carefully review your account agreement with the OC, and see what amounts are specifically authorized.

Any amount not specified in the account agreement cannot be collected unless your state has a statute that specifically authorizes a debt collector to collect amounts not specifically provided for in your original account agreement. A little work needed to feret that out, but well worth the effort.