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Collection agencies

if I owe a place and they send it to collections, like Verizon for an unpaid bill that's under $3oo.oo and the collection agent says that they need $50.00 a month but my budget will only allow me to pay $25.00 a month (I have to pay rent and utilities first) do they have to accept the $25.00 if I send it or can they send it back and then take me to court and sue?
This is what they said they will do. I said all I can pay is 25 a month and she said she would talk to her client but does not think they will go for that and that I will be taken to court. I have a mind to just send the 25 anyway and see if they accept it or send it back. If they do accept it then are they accepting that as their terms even though they said that they can take no less than 50?
I don't understand her being rude and not working with me. I thought that they would be happy just to get paid at all.

 
Anonymous

Asked by Anonymous at 4:18 PM on Mar. 29, 2013 in Money & Work

This question is closed.
Answers (16)
  • they wont take you to court over $300 . and filing bankruptcy over such a small debt would be idiocy. tell them you can send what you can and that is that
    partingwhisper

    Answer by partingwhisper at 4:55 PM on Mar. 29, 2013

  • I doubt they'd take you to court over that - the filing fees would probably be more than that.

    When I was in a similar situation, I just flat out told them I could only afford to pay X amount. They said they needed twice that and I just told them, "Well, sorry. I have kids to feed and bills to pay. You can either accept the $X that I can afford to pay or you get nothing at all. I am perfectly willing to pay my debt, but not at the expense of my kids having food to eat. Take it or leave it." They took it. You have to be clear and firm. If they continue to insist on more, then just tell them you can't do it and they should do what they think they need to do.
    wendythewriter

    Answer by wendythewriter at 6:11 PM on Mar. 29, 2013

  • I would tell them you don't deal with outside agencies as they may be scamming you and send the 25/month to Verizon. Keep a record and proof that they are cashing those checks just in case they do take you to court (which they wont b/c it will cost them more than you owe).
    Crafty26

    Answer by Crafty26 at 7:34 PM on Mar. 29, 2013

  • I used to work for a collection agency and we had to try to get a certain percentage of the debt. We would work with debtors as much as we could but if the client wasn't receiving payments they would garnish wages or bank accts.
    BeautyGuru

    Answer by BeautyGuru at 4:21 PM on Mar. 29, 2013

  • I would have said "well 25 is all I can do- you can't bleed a rock" and hung up.

    It takes a ...special kind of person to do that job, and I don't mean special in a GOOD way.
    charlotsomtimes

    Answer by charlotsomtimes at 4:25 PM on Mar. 29, 2013

  • I thought as long as someone is sending something they would be fine with it.
    I would send the $25 and keep record that you sent it.
    virginiamama71

    Answer by virginiamama71 at 9:28 PM on Mar. 29, 2013

  • What if the person has no wages or a bank account? I get Disability payments and get them on the 1st and according to our state laws that can't garnish disability. My point is that I do want to make payments but can't pay what they ask for so if I made a payment lower than what they asked would they accept it or send it back and decide to sue?
    Anonymous

    Comment by Anonymous (original poster) at 4:24 PM on Mar. 29, 2013

  • Verizon is an absolutely stinky shit ass company to work with. Look very carefully at your original contract because the fine print may say that you have to accept their payment terms and their arbitration in case of a dispute. I got screwd over royally by Verizon, ended up getting part of my money back in a class action lawsuit. I'll tell everyone till the day I die how much that company sucks.
    Ballad

    Answer by Ballad at 4:25 PM on Mar. 29, 2013

  • If you pay something, they really can't do a damn thing. Just pay the $25 a month & they'll legally have to stop calling you as long as you pay something.
    3libras

    Answer by 3libras at 4:26 PM on Mar. 29, 2013

  • Thanks ladies
    Anonymous

    Comment by Anonymous (original poster) at 4:28 PM on Mar. 29, 2013