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I made a BIG mistake talking to CA HELP!


freeatlastt
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I spoke with Enhanced Recovery Corporation last week about a collection debt I have. The amount I owe is 2,433.00. They said they would be abe to take a settlement payout of 1634.00 in 4 installemnts. At the time I agreed since I do have the money and just wanted them off my back. They also told me I was being recorded.

Anyhow now I have changed my mind and want to send them a validation letter first before I start paying them.

Am I allowed to do this or am I stuck with the agreement I made over the phone with them last week?

I am so worried because I was being recorded. Can they come back and tell me that if i don't do what we agreed upon that the settlment is off the table and i have to pay the whole amount or and Sue?

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Its really hard to know if you were actually being recorded...CAs lie just for practice.

Go ahead and send them the DV. If they balk, simply point out that as the "least sophisticated consumer" you didn't know your rights before...now you do.

Will they take back the offer? Don't know, but, handing money over to someone who calls you on the phone is just not a wise thing to do...

(Besideds, the CA doesn't sue...the OC might...but it would probably go to a different CA anyway.)

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I spoke with Enhanced Recovery Corporation last week about a collection debt I have. The amount I owe is 2,433.00. They said they would be abe to take a settlement payout of 1634.00 in 4 installemnts. At the time I agreed since I do have the money and just wanted them off my back. They also told me I was being recorded.

Anyhow now I have changed my mind and want to send them a validation letter first before I start paying them.

Am I allowed to do this or am I stuck with the agreement I made over the phone with them last week?

I am so worried because I was being recorded. Can they come back and tell me that if i don't do what we agreed upon that the settlment is off the table and i have to pay the whole amount or and Sue?

Hard lesson learned, but NEVER speak with a CA on the phone. Tell them to put it in writing and mail it to you.

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I spoke with Enhanced Recovery Corporation last week about a collection debt I have. The amount I owe is 2,433.00. They said they would be abe to take a settlement payout of 1634.00 in 4 installemnts. At the time I agreed since I do have the money and just wanted them off my back. They also told me I was being recorded.

Anyhow now I have changed my mind and want to send them a validation letter first before I start paying them.

Am I allowed to do this or am I stuck with the agreement I made over the phone with them last week?

I am so worried because I was being recorded. Can they come back and tell me that if i don't do what we agreed upon that the settlment is off the table and i have to pay the whole amount or and Sue?

Agreeing to a payment plan does not void your rights under law. If it is within the 30 days of initial communication you have the absolute right to demand Validation of the debt and if they try to collect before providing it they have violated FDCPA.

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i also received a phone call but told him to mail me a letter proving it. I freaked out after the phone call cause they called my cell. Which i think is against the law. My question is if i send them a DV letter will they increase the phone calls or harassment? Thanks

Sending a DV letter within 30 days of Initial Communication better decrease the calls. See my post on Spotting VOD/Communications violations:

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=276776

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