@Anonymous wrote:
What is going to happen once the judge or whomever receives my letter?
Will they just serve me then or???
This happened to me but w/ Midland funding. I had documents served to my parents home where I no longer reside. Given that there was an individual above the age of 18, they were able to serve the documents, although I never personally received them. I logged onto the county clerks database to confirm that this infact was valid and it sure was. I went ahead - called Midland directly, gave them my sales pitch on settling for the least amount possible and setting up a monthly payment plan. I received all documents from midland stating I had already set up a payment plan to my benefit, I did not incur court fees, and told them I would NOT settle in court since I had made prior payment arrangements. If you log on to the collection agencies website sometimes they have payment plans of even as small as $4 a month (however, for the full amount due). I know you didn't get served, but if the debt is valid I would look into arranging something that makes sense to you financially. DO NOT agree to something you are NOT able to pay. Shoot for the lowest possible. They were offering me a lump sum settlement but only if I was able to pay it that same day. I actually asked them if they were out of their mind. I asked for the lump sum discounted amount AND that I wanted monthly payments. I told them they could either take it or leave it. They attempted to sucker me into higher amounts and I told them, that they either compromised and helped me or I would just go on their website and agree to pay $4 for the next 120 months. They didnt like the sound of that. So they agreed to what I wanted. I then proceeded to settle 3 other accounts I had with them, the same way. Each rep seemed to give me the same broken record on how they could not go lower, but they eventually buckled to my decision. Hope that helps. I am now paying on a monthly basis- once a month a payment where I use my Quicksilver One credit card to have these payments autopay'd and at the same time I am gaining cash back. Fingers crossed I hope this helps. Don't buckle but DO settle before you go to court, they will garnish your wages if the debt is valid.
