Collections question, please advise

Anonymous · ‎06-03-2009

I have a Collections from CMI, Credit Management, LP for a cable bill of $334.00. To make a long story short, the cable company states that I never returned the equipment even though I did and I have my documentation showing it was returned and signed by lady at the office as well as myself.

I know they aren't going to let this go but is there anything I can do to get this removed from my credit report and not have to pay the full amount? I feel like if that's the case than I want the equipment back, ya know? As it is, its going to be on my reports until 2014

Would a PFD be good in this situation or something else?

Thank you.

Anonymous · ‎06-04-2009

I would call the Cable Company first, and send them the proof that they messed up. They should pull it back from the CA.

Why pay a CA if you didn't make a mistake?

Anonymous · ‎06-04-2009

@Anonymous wrote:
I would call the Cable Company first, and send them the proof that they messed up. They should pull it back from the CA.
Why pay a CA if you didn't make a mistake?

I agree with you, I dont want to pay if its not my mistake. I didnt think after a year that the cable company would deal with me anymore since its already in collections... not to mention, when it was still with the cable company and I told them of the error they brushed me off and wouldnt deal with me anymore. I had even went to the local office to where I returned the equipment to show them the paperwork showing the return. Thats why I'm stumped on what to do.

MsKiwi · ‎06-05-2009

@Anonymous wrote:
@Anonymous wrote:
I would call the Cable Company first, and send them the proof that they messed up. They should pull it back from the CA.
Why pay a CA if you didn't make a mistake?
I agree with you, I dont want to pay if its not my mistake. I didnt think after a year that the cable company would deal with me anymore since its already in collections... not to mention, when it was still with the cable company and I told them of the error they brushed me off and wouldnt deal with me anymore. I had even went to the local office to where I returned the equipment to show them the paperwork showing the return. Thats why I'm stumped on what to do.

Have you sent a copy of the ppwk showing the equipment was given back to the cable company to the CA? Let them know there is no debt to collect since you have proof the equipment was given back.

Anonymous · ‎06-05-2009

I would mail a copy of the return receipt to the main addy of the cable company. IF it is their mistake in assigning or selling to a CA, make this lette an ITS.

RobertEG · ‎06-05-2009

When you deal with verification of these truly legitimate disputes, either by DV to the CA, or dispute to the CRA, you face their unfair validation process using E-OSCAR. Your documentation is NOT send to the OC or CA as part of E-OSCAR, so alll of your legal documentation is ignored.

IMHO, the quickest and most effective way to deal with this is to file a small claims suit against both the OC and CA, where your documentation will be fully considered. It is not that difficult to do, and is easier and more effective than fighting with these imbeciles under the FDCPA or FCRA.