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Ok, I owe some money to a Cingular, but I cant pay it all at once and the collection agency is starting to bother me (again). My daddy says they will take me to court or jail.....But my bf owes money to ppl and he says they cant do nothing..like the old sayin you cant get blood out of a turnip...anyways, what do you know about these things or does anyone else going through the same thing??
Your service will be discontinued. Your bill will increase the longer you dont pay it and the collection agency will grace you with calls every week. To my knowledge, I've never been threatened with an arrest or a court hearing so you should be fine as you don't trust try to completely ignore it. It might damage your credit, though.
my service has been cut off. the agency left me alone for awhile but now they are bothering me again..maybe if i give them what i can each week they will shut up!
Post by soundtribe_junkie on Aug 11, 2008 12:47:15 GMT -5
I believe if you are paying some amount toward it...even if its 5 bucks they cant do anything but put it on your credit report that you are 'slow paying'. Thats what Ive been told anyway.
^^^I have to speak up and say that is wrong - they can and will take you to court and, if necessary, they will garnish your paycheck to get what they are owed. You would do better to talk to the collection agency and set up a payment plan with them to get it paid off. Most agencies will allow you to set up a reasonable payment plan.
Post by chicojuarz on Aug 11, 2008 14:30:56 GMT -5
Right on Meg. Its just that I think they'll generally go to court depending on the amount owed. Either way they'll definitely mark up your credit especially if the debt gets passed around and then you end up having this same negative thing on there three or four times.
^^^I don't know - I just got taken to court over a $95.00 bill that I had made one payment on - some agencies are assholes. Depends on what the business that they are collecting for tells them to do. In this case it was an oral surgeon who already had $400 of my money and my insurance had already paid $1200 and he wanted his remaining $95.00.
And Chico is right - they can and do sell the account to different agencies - it could end up on your credit report 3-4 times under different agencies when it is all really for the same bill.
