Victoria8055

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About Victoria8055

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  1. So about 3 years ago, I went to my local Genesis Health Club and closed out my account and paid off my remaining balance of $100 and change. Anyways, I just received a letter in the mail from a law office stating that I now owe $400+ to them in regards to my Genesis Health Club account. I closed out the account and paid off the balance around 3 years ago, so I have no documentation showing that I paid it. However, this is the first contact i’ve received by mail/phone/email/anything regarding this debt. So i’m not exactly sure why if I actually did owe them money (which I don’t, I paid it all off in person at my local club) why I was never contacted about it by them. It’s almost as if they sat on it for as long as they possibly could without making a single attempt to contact me so that it could accrue as much interest as possible. How could I owe them money and they not say a single word about it for 3 years and automatically send it to a law office (which says on the bottom of the letter that they’re a debt collector, so i’m not sure which one it really is) I just feel like this whole thing is extremely shady, and thought I would make a post on here to see what you guys think and how I should proceed. Thanks
  2. Okay great, good to know. So what if I lose arbitration? Am I on the hook to pay more than the debt I currently owe? Am I going to have to pay any of these attorney fees of theirs? I’m a little confused.
  3. Okay, i’ll definitely read up on all of that ASAP, thank you so so so much. So sending out the DV letter yesterday was the best course of action I could proceed with right now? And now, I just need to read up and research as much as I possibly can about arbitration and debt collection during this time frame that the debt collection has been suspended while they verify the debt per the DV letter? Just confirming that this is my best course of action right now and if it’s exactly what I should be doing. I have no problem at all putting in whatever work I need to to try and win this, but I just want to make sure i’m putting in the work and spending the time on the right things. I still can’t thank you guys enough and how much I appreciate this. You guys have been great, and I really don’t know what i’d do right now if I didn’t have you guys on my side helping me 🥺
  4. Okay, good to know, thank you! Well I went ahead and sent the DV letter out yesterday, as well as adding the ‘I elect arbitration for all disputes regarding this account’ part.
  5. Do you guys think they would really mess with taking me to court over this? From what i’ve read, a debt collection agency taking someone to court and paying an attorney/court fees/etc ends up costing around $2000. The debt is $1797. And from what i’ve read, they buy these debts for pennies on the dollar. So say they paid $500 for this debt, that’s $2500 they would have put into this to try to get roughly $1800. And they’re putting up that $2500 without being sure that they’ll even win and collect on any of it. Just wanted to get some opinions. It’s not going to change my approach or anything, more so just curious.
  6. - Backfromthedebt: I sent out the DV letter today, I added what you told me to say as well. - LaneBlane: What does that mean? Sorry, i’m extremely new to all of this stuff and have no idea what that means or if it’s a good or bad thing....lol. Trying to learn as much as I can about this stuff.
  7. Well I honestly don’t really have any other choice but fighting it. And when you say I could fight this and probably win, are you saying that with or without a lawyer? I also went ahead and recorded the entire phone conversation I had with the MCM rep as well. Even without the pandemic, there’s no way I could get any employment right now due to my grandma’s current condition. I could probably be out of the house for a max of 2 hours before she would need me for something. She pretty much requires constant around the clock care. Luckily my mom has been taking care of her medical bills (prescriptions, doctor appointments, etc) since I hit $0 in my savings, so that’s been a blessing. I know this probably doesn’t make a difference, but this whole thing stemmed from a few years ago from my ex-boyfriend who was abusive and manipulative (also pulled a gun on me when we were in the car once) manipulated me into buying him a dog and stating he would pay me back for it. Not only did he never pay me back for the dog, but he also left me on the hook for the payment as well as selling the dog after we broke up (I came home with bruises all up and down my arm and one on my chest/neck area where you could see part of it if I wasn’t wearing a turtleneck) and that pretty much sealed the deal for the relationship. So yeah. That’s how I found myself in this whole position in the first place. I’m completely broke from using the savings I had left after losing my job due to the pandemic to care for me and my grandmother + pay for her medical bills. To put it lightly, it hasn’t been a great year for me. Thank you for all your help so far. Again, I truly, truly can not begin to even explain how much I appreciate it. You have seriously been great to me.
  8. So should I go ahead and send out the DV letter now? And what about my name being spelled wrong? I feel like that should be something. How can they collect on a debt from someone if they don’t even have the correct name (i.e. my name being spelled wrong)
  9. So I just spoke to them, I told them I received a letter stating that they have this account, and that I wanted to inquire about their hardship policy. I informed them about me currently being unemployed and having been unemployed for practically almost the entire year, as well as being the primary caregiver for my grandmother and having been for a few years now. They mentioned a temporary hardship policy that would suspend collections for 90 days, but that’s it. They also mentioned they could do a $50/month payment plan, and I told them i’d have to do more research into the account and everything going on with it before proceeding with anything like that. He did say that their intention was to be contacting a local attorney in my area about the case. So what exactly should I do now?
  10. Okay sounds good. So them spelling my last name wrong on the letter doesn’t mean anything?
  11. So I just went ahead and called, and before I could proceed with giving them any sort of account number, they asked me for my name. I called off a dummy number just to be safe so they couldn’t track anything (not sure if that’s a thing or not, but I wanted to be safe). Do I go ahead and give them my name? They acted like they couldn’t help me without giving them my name. Also, I noticed that my last name on the letter is spelled wrong. Is that something that could be useful? Thank you so much for you help so far. I truly, truly appreciate it. I hate to keep asking you for help, but unfortunately, you’re the only person I have to help me with this. I literally have no one. So again, I really can’t even begin to tell you how much I appreciate this.
  12. I am calling them today. Is there any tips you would give me to get them to try to mess up and say something that would make them have to give up on the debt?
  13. So you say I should contact them first about their hardship program before sending the DV letter? Like I said, I don’t know much about this, but wouldn’t I want to send the DV letter first, and then after them verifying the debt, then move on to hardship part? Considering i’m not owning up to the debt or anything like that, so I would want them to verify that the debt was mine in the first place before moving on to the hardship case part? Because if it truly wasn’t my debt, I would have no reason to ask them about the hardship program before getting verification that it even was my debt? Just wondering. You know a lot more about this than I do obviously. I just want to make sure i’m doing everything right. And I tried to look up their hardship policy online and didn’t seem to have much luck finding anything unfortunately. So i’ll just have to call them and speak to them about it directly. I just want to make sure that sending the DV letter shouldn’t be my first step over contacting them via phone and inquiring about their hardship policy.
  14. So you say I should contact them first about their hardship program before sending the DV letter? Like I said, I don’t know much about this, but wouldn’t I want to send the DV letter first, and then after them verifying the debt, then move on to hardship part? Considering i’m not owning up to the debt or anything like that, so I would want them to verify that the debt was mine in the first place before moving on to the hardship case part? Because if it truly wasn’t my debt, I would have no reason to ask them about the hardship program before getting verification that it even was my debt? Just wondering. You know a lot more about this than I do obviously. I just want to make sure i’m doing everything right. And I tried to look up their hardship policy online and didn’t seem to have much luck finding anything unfortunately. So i’ll just have to call them and speak to them about it directly. I just want to make sure that sending the DV letter shouldn’t be my first step over contacting them via phone and inquiring about their hardship policy.
  15. I apologize!!! I’m very new to all of this. The original creditor is Comenity Capital Bank. The state is Missouri, and i’m not sure of the county. Is it the county that I live in, or the county that the original collection took place? If that makes sense? Again, I apologize, i’m super new to all of this and you guys are really my only hope on getting this figured out considering I know absolutely nothing about this, nor do I have the money for a lawyer. So how should I go about contacting them? And what exactly should I say? Like how should I bring up the hardship policy and everything without admitting to the debt? Thank you so so so much. Seriously, thank you. I can’t even begin to tell you how much I appreciate your help so far. If you could help to sort of guide me on what to do on this whole thing, I would seriously be forever, and I mean FOREVER grateful. I just want to get this figured out 🥺😩