Cusegirl770

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About Cusegirl770

  • Rank
    Newbie

core_pfieldgroups_99

  • Biography
    Determined to correct my credit
  • Occupation
    Clinical Research Analyst

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  • Location
    GA
  1. This afternoon, outta the blue, I received a voicemail on my cellphone from an unknown collection agency for my DH. The message stated he missed a telephonic deposition and that further action would not be prevented by not contacting them, etc. They left an 800 number along with a reference number. Called DH and he had no idea what it could be. We conference called them back and gave the reference number. A woman got on the phone and was immediately nasty and combative. She verified his SSN and then said that he owed CitiFinancial and it was last paid in 2009. She went on to say it was purchased by them and the SOL was 12/2016. She finished by saying "we" could handle it one of two ways. Pay or be sued. My husband, sort of dazed and confused, said it wasn't his. I began to ask for more information and was hung up on. We continued to talk and my line was interrupted so I answered. It was the woman again. She says the debt is my husband's, he knows it and he's gonna pay and hangs up again. Needless to say, I'm now furious. However, I calm down, wait an hour before I call back to find the name of the company and speak to a manager. When I call, I ask for the name of the company. It's the same woman. I ask to speak to a manager. She says, " Your husband needs to grow a pair and stop hiding behind your dress." Excuse me? She replies, did I studder? And hangs up. I attempted with no success to do a reverse number look up. I would like to find out the name of the company (855-856-3778), whether there's any recourse for personal attack and more importantly, information to determine if it's possible the account is his. We have not received ANY communication regarding this matter prior to today and it's not showing on his CR. We live in GA. I apologize for the lengthy message but I really could use some advice on the best way to handle this.
  2. Today I received a letter for the remainder of an unpaid medical bill from National Patient Account Services (NPAS, LLC). I just checked my credit reports and the collection has not yet reported to the CRAs, and of course, I don’t want it to. I have the thirty days to dispute, etc. Should I just contact the CA to ask for a pay for deletion (under $400) or can they not report anyway because I am paying right away before the thirty days? OR, should I send the payment to the hospital and hope they accept the payment and then if it does hit my CR, dispute as previously paid? OR, should I DV them to stall it out to buy time? OR, is there a better, faster, saner way to handle this situation? My son broke his thumb and the bill was $1000 after insurance paid their portion. So, the debt is valid. I have been successful in getting my credit in working order (fako is 700) and I'd like to keep it moving in the right direction. Advice, please?
  3. I'll try to be brief: We were sued by a HOA in GA for $1600. They won a default judgement back in Jan for $3400. We now reside in NC where there are limitations on the garnishments but my DH's employer is the same company (a national chain) as it was in GA. About a month ago, he received a letter stating his wages were being garnished for $130. Didn't like but OK. Well the actual amount they're taking is $500 per pay check. There was no notification or anything from the court or employer of an adjustment. His employer was no help on how this is possible. Is this legal and is there any recourse at this point? Your assistance is appreciated in advance.