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quiescent_soul | Collection Agency wantin gbank information? |
I have a past due account with Capital One for $1600. I have been trying to work with them to get it paid and offered a settlemetn however they will not accept a settlement offer unless I give them my bank account information. When I informed them that I do not have an account they hung up on me and refused to settle. This is now a judgment against me. yesterday they called my sisters house pretending to be Farmers National Bank (that is where they assume I am banking because I had a car loan with them) and when she wouldn't give them my information they got mad at her an dhung up on her also. how can I get this debt settled reasonably and legally without having a bank account? |
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lovemy2babies
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Next time they call, tell them they can settle for the the amount you stated (should be about $900) in the form of a money order. If they don't want to do that, you;ll have no choice but to file for bankruptcy. See how fast they are to accept your offer. |
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kam
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I would not assume that Capital One was trying to call; it was probably your car loan bank checking to insure their interests.
The only time that a credit card refuses to settle is if you have promised payments and not kept up on that end of the bargain. This is probably why they requested a bank account. (Not to mention if they have a legitimate account number from you and a court order they can take action to freeze the account or demand payment and authorize a debit.)
If you are in fact paying them something/anything in most cases they will continue to allow you to pay down the debt. But this has to be a consistent thing. You can't start and stop when you feel like it. |
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Studly
|
If they have a judgment on you now, your options are very limited.
Forget trying to negotiate a lower settlement...they will just wait you out until the find out where your bank account is or where you work. Once a judgment is ordered, it will be there for many years.
One option is to ask the court to order an installment payment plan. Many states will do this, and if it's a "reasonable" amount they will order it. In your case, you could request a 2-year payment plan for around $70....but be prepared to show the judge your finances to prove this is all you can afford. |
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lilpuppy6
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What was the settlement you offered?. Just because you offered one ,doesn't mean it was an acceptable one.
Next step is garnishment, which you will try to avoid at all costs, because they will tack on extra legal/court/attorney's fees on top of the original amount.
So call them, (be reasonable)and offer your best deal, work out payment plans, Agree to pay them with a money order in agreed amounts.
They have nothign to lose, but you do. They can be as nasty as they want to be, but you don't have that option....that's too expensive.
Good luck. |
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wildflower
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I had the same issue a few years ago with the same creditor, same amount of money or a lil bit higher. They hung up on me at one point, she was hella rude... I called back a few days after and I had this taken care of, from 1600-1800 we agreed to settle it for 700 and they will give you their account info to wire the payment to them. here's the CS# 18009033637 and if you do remember the persons name who hung up on you let the manager know. I have one contact person from Capital One her name is Ally and her # is 8002589319, she was very helpful. goodluck! |
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Kent
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Hi,
I used "Credit Solutions" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://www.tkqlhce.com/click-1813149-10467845 |
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wizjp
|
If there is a judgement filed, it's pretty late in the game. Obviously before they agree to a discounted settlement they want to make sure you are being honest about your ability to pay. The other things about pretending to be another institution don't make any sense.
If there is a judgement, you are on the hook for the full amount, and in a lot of places the next step will be garnishment of salary. Contact them again, ask for a manager, explain that you don't have a bank account (I'm assuming you don't) and ask them what needs to be done to settle.
The onus is on you; it's your debit, and they can hold out for the full amount of the judgement including whatever legal and recording fees get tacked on with interest. |
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sunbun
 |
pay the debt you incurred...they do not have to settle...u wanted the credit, you got it, you owe it...now pay up...they will place this on your credit report and hound you indefinitely should you choose not to pay |
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