Online Credit Reports Reviews
2010
What should I say when I call a ruthless collection agency?
Some of my old medical bills are in collections. I just checked my credit report. There is a new collection agency showing up, and it says that I owe $700. I don’t know what it’s for.
I looked the company up online, and I read reviews. It sounds like the people who work for this company are ruthless. They call people all day, they yell at people, and they even resort to name calling.
I want to find out why I owe $700, but I can’t afford to make a large payment. I’ve been using a debt consolidation company to pay off my debt. Each company gets a small payment every month.
What if I call the collection agency and they demand payment? Should I tell them that they will get a payment later? Should I hang up? I’m worried that if I say the wrong thing, they might use it against me.
I would wait for them to write to you. Best to keep everything on a written basis-then you can refer to it. The agency will have to keep non threatening then also. I wouldn’t telephone them at all. Seek advice from the Citizens advice bureaux.
Credit Score Myths – Lesson 4
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