If working out something with them was an option

Believe me, if working out something with them was an option I would have done it months ago. I have no money to give them and they are only one of few creditors I owe money to.

They know where I am(they have always had my phone and address, I’ve never made it a secret), so why would they hire someone to find me? Like I mentioned to another person, this is one of a few creditors I have on my back. If I had the money to work with them, I would. I’m sorry I’m being a bit snippy. But, I have been writing about my situation for some time and obviously none of you have taken the time to read any of it, because if you had, you would know that working with them is not an option for me. If you don’t have the money, you don’t have the money.

It’s a great thought to be able to work with them, and believe me I would if I could. It’s not a matter of taking responsibility, the money is just NOT there. I had a very decent interest rate with them and was making payments up until my husband ran into a cut in pay with his job in December. So, as much as your plan sounds great and all, unless money were to start growing on trees, it’s not helpful to me at all. Thanks anyway.

Are you a new member? I’m just surprised nobody was kind enough to pass along this enough when I was asking about it weeks ago. In fact, the whole concept was suggested by people in this blog, even when I explained I was dealing with the original creditors.

Your best bet would be to try and work with them

Your best bet would be to try and work with them. I did this at one point with MBNA and they were more than willing to work with me. They dropped the interest rate and did not charge me any late payment fees or overlimit fees for almost 2 years. I agreed to make biweekly payments to them and they didn’t even mind when I changed the amount to a higher payment just to get this monkey finally off my back. I was very embarrassed by my lack of responsibility and thought that they would never want to even think about helping me work out a plan, but they were more than willing to. It took me over 2 years to pay off a $9000 debt, but i did, and it was such a nice feeling.

I then paid off another debt that was over $3000 and that is gone now and I don’t use credit cards at all. I have one payment now and that is my car payment, which thanks to a new job, I am able to afford to pay more on each month (which I just started to do) and that will make a big difference in the amount of interest paid and the car should be paid off at least a year ahead of schedule.

It took a big hard slap of reality for me to finally take responsibility, but I did and it sure does feel great!

Best advice, work with them. What’s the worst they can say to you, “NO”? Be persistent if they do say no! If they know that you want to work with them, that is a plus for you and they will most likely help you out.

Send the cease and desist letter to any collection agencies along with a copy of the one you sent the original credit company. Tell them they are breaking the law – which they are. By questioning people about you, they are intimating bad things which is slander.

Old medical debt

I have a medical debt that is > 2 ½ years old. It was turned over to collection 63 days after past due. I have told the collection company by mail that no money was available. Now another agency contacts me wanting the full amount. I talked with and agent yesterday and offered a 38 to 40% full payoff via my extended family. I told her I received this information via the Dave Ramsey program. Her response was I will talk to them and get back with you. Is this the appropriate path?

I’m on a personal crusade against hospitals since they did a lousy job on my mom and are trying to charge her in the grave. I had to deal with a Catholic hospital and asked them what kind of Catholics they were to gouge people who couldn’t pay their bills. I got the typical bureaucratic response.

Don’t be too surprised if US Bank continues to call your family

Don’t be too surprised if US Bank continues to call your family, friends and neighbors in their attempts to locate you, even after you send a cease and desist letter.

Note that the Fair Debt Collection Practices Act is not applicable to those parties collecting their own debt. The FDCPA is applicable only to third parties (collection agencies) and lawyers. In your case, it appears that the creditor is collecting their own debt, therefore a cease and desist letter will have little, if any, impact.

Have you attempted to work with these people? You might be able to get them to agree to settle the account for something substantially less than what you owe. A cease and desist letter will not influence them to work something out with you.. Many bankers would much rather work with someone that reaches out for help than with someone that refuses positive communications.

At the very least, the good news is that they haven’t yet written you off, and are trying to locate you, probably to try and work something out before sending it to a collection agency\attorney.

Good Luck!

US Bank update/ revision of cease and desist letter

You all probably remember me posting how my inlaws were contacted by US Bank recently looking for us concerning a debt we have with them. Well, my Dad’s girlfriend just called me and apparently they are calling my Dad’s house now too. It was suggested that since I’m writing the original creditor and it hasn’t been that long since we’ve been not making payments to keep my cease and desist letter to a minimum, not be too harsh and threatening.

So, I have revised what I had. Let me know if it should work with keeping them from contacting any further people, as well as us by phone, and if it sounds within reason to send without actually ticking them off more. Also, I was told to make sure it’s sent certified mail. Is there anything else I need to know before sending this? By the way, here is my revised letter:

To Whom it may concern:

I have been contacted by your company about a debt you allege I owe. I do not admit or deny liability on the debt. However, I am instructing in writing, that no telephone contact be made by your offices to my home, cell phone, friends, neighbors, third parties, family members or to my place of employment. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further by telephone once I have notified you not to do so.

If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.



(Account No.)