Collection agency refusing to accept check by mail

[CBrent]

I'm being told by 'Superior Asset Management' that I have a T-Mobil debt of about $80. I've asked for a letter or some evidence of the debt, which I've yet to receive. I'm told by Superior Asset that the ONLY ways I can make payment is by phone--by giving my routing # or by debit card. Of course I understand the dangers of giving anyone that information. 

Does anyone know why they're doing this, and do I not have a right to pay by mail? How are my rights affected by Superior Asset refusing to accept payment by mail? 

[llecs]

Is the CA reporting?

Is T-Mobile reporting?

I wouldn't pay over the phone. I wouldn't talk to them on the phone.

I'd first call T-Mobile and ask who owns the debt. It is possible that they own it. I would then next send another DV letter via mail CMRRR.

How are they refusing the payment? Have they sent it back? BTW, if they are reporting, your score will take a likely hit if you pay it without a PFD.

[Anonymous]

Don't send them a check! They can still get your account number and routing number off the bottom of the check. Do you owe this debt? Is it still within the statute of limitations? If not, I suggest sending them a cease and desist. If they violate that, sue them.

On the other hand, if you DO owe this debt, then negotiate the payment with them. If they're reporting to your credit, I'd negotiate a pay-for-delete. I'd definitely try to see how low you can get the $80 - perhaps start by telling them you'll pay $40 if they DELETE the entry. When you send the payment, make sure you have the agreement in writing, signed by a manager. Also, pay for a postal money order - it's less than $2 and if I recall correctly, if they try to backpedal, it's postal fraud.

Again, I must stress that you should not pay them a penny unless you feel you actually owe the debt.

Message Edited by m3h on 06-05-2009 02:42 PM

[CBrent]

Well, I called T-Mobile and the billing rep agreed to send me a bill. They were polite and understood why I wouldn't want to give a routing # over the phone. 

Once I receive the bill, I'll negotiate a pay-for-delete as you suggest, M3h, especially since they were apparently mailing my bills to the wrong mailing address.  

[Anonymous]

NEVER SEND A COLLECTION AGENCY A CHECK

If they get your routing number and account # they can demand draft your account.

If you ever have this happen in the future, send a money order to pay collection agencies.

[Anonymous]

I have been paying with my a visa card is that ok.

[Anonymous]

No, that's not the best idea. Consider postal money orders as I suggested above. If you must use a card, only use a credit card as that's much easier to dispute fraudulent charges.