ggluvbug Posted July 26, 2007 Report Share Posted July 26, 2007 I want to kill my husband. He has been speaking to a collection agency on the phone about some past bills I have. Some are in the SOL, some are out of SOL. He was trying to set up a payment arrangement for $100 a month to cover the $1500. Then at the last minute, they say they can't do that, they are tired of us jerking them around, and the payment is due in full or they will sue. Should I try to send a DV letter, or should I try to make payments anyway?Not sure how to handle this since he has spoken to the collection agency.BTW, we are in Mississippi, and yes, the business is in good standing. Link to comment Share on other sites More sharing options...
IHateCAs Posted July 26, 2007 Report Share Posted July 26, 2007 Yes, DV. Link to comment Share on other sites More sharing options...
ggluvbug Posted July 26, 2007 Author Report Share Posted July 26, 2007 if they verify, should I try to contact the Original creditors? Link to comment Share on other sites More sharing options...
Recovering Attorney Posted July 26, 2007 Report Share Posted July 26, 2007 approach the OC if they are local, and if you are prepared to pay now. Go to the top and make a good will plea Link to comment Share on other sites More sharing options...
ggluvbug Posted July 27, 2007 Author Report Share Posted July 27, 2007 I have another question on this situation as well. The CA told my husband that some of these debts are exempt from SOL because they are med bills from public hospital (state funded). Is this true? Link to comment Share on other sites More sharing options...
divemedic Posted July 27, 2007 Report Share Posted July 27, 2007 Are there any states that still have state hospitals? Link to comment Share on other sites More sharing options...
IHateCAs Posted July 27, 2007 Report Share Posted July 27, 2007 Every state I have ever lived in has had county owned hospitals. I believe such hospitals and utility cos. are exempt from SOL in MS. Link to comment Share on other sites More sharing options...
isislc Posted July 27, 2007 Report Share Posted July 27, 2007 Here in Wisconsin, the county hospitals are the ones that ALWAYS sue here. I make sure to NOT go to those hospitals. Froedtert Memorial and Children's Hospital. Link to comment Share on other sites More sharing options...
hiblues Posted July 27, 2007 Report Share Posted July 27, 2007 Questions?Are these reporting to the CRA's? If so you want to do a PFD upon payment. No PFD- No PIF. If they won't PFD, only do a SIF.(settlement in full)Can you pay them a substantial amount now or very soon?Do you have credit cards to put this on?Larger sums initially and then sending smaller payments may work.Did you document the date, time, take notes and get the name of the agent? Is your state a 1 party record the calls state? ( many are- meaning you can record the calls) if OK, buy a recorder device to rack up the violations.Are there any documented violations?Sometimes sending in a payment stops legal action... always put an RE on all your checks to any CA. Better to have it on than not. It gives a reason to take action later if ness.The only caution of DVing them is that it may just provoke them to sue immediatly, so caveats there.Do you have assets or a steady job? If no assets and no steady job= less likely for them to sue.So much to consider..... it's all about strategy. Link to comment Share on other sites More sharing options...
ggluvbug Posted July 28, 2007 Author Report Share Posted July 28, 2007 We are both employed, but all of our stuff is financed so we dont' have alot of assets. The CA is already threatening to sue. About the only thing I can do is pay about $150 down and about $100 a month. My husband has taken a $17000 a year pay cut, so we are so tight.....and as it is, we have closed our CC accounts b/c we can't afford them anymore. Link to comment Share on other sites More sharing options...
ggluvbug Posted August 1, 2007 Author Report Share Posted August 1, 2007 I got my green card back today in the mail. so the timer started ticking as of July 30. AFter the 30 days, if they can't provide correct info, then they have to stop, right? What if they try to pursue or sue? Link to comment Share on other sites More sharing options...
ggluvbug Posted August 1, 2007 Author Report Share Posted August 1, 2007 BTW,I think the hospital is county funded, but from what I understand, it does receive funds from the state too. Link to comment Share on other sites More sharing options...
divemedic Posted August 1, 2007 Report Share Posted August 1, 2007 I got my green card back today in the mail. so the timer started ticking as of July 30. AFter the 30 days, if they can't provide correct info, then they have to stop, right? What if they try to pursue or sue?Assuming you sent your DV within 30 days, they must stop immediately, and cannot attempt to collect until they send you validation. Link to comment Share on other sites More sharing options...
ggluvbug Posted August 1, 2007 Author Report Share Posted August 1, 2007 Assuming you sent your DV within 30 days, they must stop immediately, and cannot attempt to collect until they send you validation.They tried to contact us a while back, but never sent us anything when we asked them too. Then they started calling recently. My husband had several conversations with them. Now here is where we are:I sent the card last Friday(27th) I received the green card back yesterday. Today I received a computer generated bill on their letterhead. That was it. And it was only for part of what they say we owe them. So now how should I proceed? The 30 days isn't up, but they sent a bill--no validation information. Link to comment Share on other sites More sharing options...
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