I remember a thread sometime ago about collection agent. It happened to me now.
I bought some furniture from a store 2 years ago, this store used Citifinantial gave me 0% interest for 1 year. I moved my home after 2 months and I payed to citifinantial in full in Jan, 2001 but past due date 3 days.(I did not notify citifinantial of the address change).
Since then I never heard them for one year. 2 days ago I got a letter from aceademy collection sevice, they said I owe citifinantial $270. I called citifinantial then, they said because I delayed 3 days they charged me $36. But they kept sending the bill to my old address for one year without my reply, then it accumulted to $270. They could do nothing now because they transfered it to aceademy collection sevice and I need to negotiate with them. I called the collection agents. they are blood sucker, they asked at least $220 otherwise go to court.
I really hate them. I can donate $200 to charity but not a penny more to them.
Are there some legal actions I can take to avoid the too much penalty pay? please share your thoughts and experience.
I bought some furniture from a store 2 years ago, this store used Citifinantial gave me 0% interest for 1 year. I moved my home after 2 months and I payed to citifinantial in full in Jan, 2001 but past due date 3 days.(I did not notify citifinantial of the address change).
Since then I never heard them for one year. 2 days ago I got a letter from aceademy collection sevice, they said I owe citifinantial $270. I called citifinantial then, they said because I delayed 3 days they charged me $36. But they kept sending the bill to my old address for one year without my reply, then it accumulted to $270. They could do nothing now because they transfered it to aceademy collection sevice and I need to negotiate with them. I called the collection agents. they are blood sucker, they asked at least $220 otherwise go to court.
I really hate them. I can donate $200 to charity but not a penny more to them.
Are there some legal actions I can take to avoid the too much penalty pay? please share your thoughts and experience.