We received an account from Walla Walla Clinic on 2/05/16 for Mr. [redacted]. We send him a notice of collection on 2/05/16. We sent a second notice on 2/22/16. both notices were sent to an address in Clackamas Or. On 3/17/16 we received notice from the post office the notices had been forwarded to and...
address in Portland Or. On 3/10/16 we received both notices back as mail returned, no forwarding address on file. We then placed the account through our skiptracing service and they gave us a possible address in Tulare Ca. On 6/17/16 we sent a notice to that address. That notice was not returned by the post office as a bad address.
On 7/14/16 Mr. [redacted] called us wanting to pay the account if we removed it from his credit file. We informed him that would be a violation of the Fair Credit Reporting Act as agreeing to remove a collection from a consumers credit file in exchange for it being paid is expressly forbidden by that federal law. At that time he gave us an updated address and telephone number. He then called Walla Walla Clinic and told them we told him to call them to have the account removed from his credit file. The agent at the Clinic then put us on a three way call with Mr. [redacted] who then backtracked on what he first told the Clinic about us telling him to call them. We again told Mr [redacted] we could not remove the collection from his credit file, that if he paid it we would mark it paid in full as we do with every other consumer. If Mr. [redacted] had put in forwarding addresses with the post office he would have received the notices Walla Walla Clinic sent and he could have paid them and it never would have been referred to my office in the first place.
If Mr [redacted] pays the account we will mark if paid in full on his credit file but I am not going to violate the federal law for him.
Thats fine as long as they are not showing open. I talked with a gentleman on the 15th and he did tell me the only way he would close it would be if I paid it then I told him that they cant collect on it and he said we arent collecting. Then I told him my lawyer told me they had to close it he refused with all due respect I am not a liar if he told you he didnt say that then im afraid he is the liar not me. Thank you for doing what you should have done from the beginning. I feel sorry for the people that dont know how to protect themselves and keep your business accountable
PS If you hate what you do find another job dont take it out on people who are trying to put their lives together. just my opinion! [redacted]
Mr [redacted] called us last December 15th inquiring as to the status of the two accounts we have in our office for him. We told him they were included in his bankruptcy and should be reported as such. He stated that they are still reporting as open. We have them coded as "included in bankruptcy" and...
they should have been reporting as such on his credit file however to make sure they are reporting as such we have resubmitted them to the credit reporting agencies as "included in bankruptcy". It may take the credit agencies 30-60 days to update their files but they should be reporting correctly from then on.
At no time did we tell Mr [redacted] he needed to pay these accounts.
We received an account from Walla Walla Clinic on 2/05/16 for Mr. [redacted]. We send him a notice of collection on 2/05/16. We sent a second notice on 2/22/16. both notices were sent to an address in Clackamas Or. On 3/17/16 we received notice from the post office the notices had been forwarded to and...
address in Portland Or. On 3/10/16 we received both notices back as mail returned, no forwarding address on file. We then placed the account through our skiptracing service and they gave us a possible address in Tulare Ca. On 6/17/16 we sent a notice to that address. That notice was not returned by the post office as a bad address.
On 7/14/16 Mr. [redacted] called us wanting to pay the account if we removed it from his credit file. We informed him that would be a violation of the Fair Credit Reporting Act as agreeing to remove a collection from a consumers credit file in exchange for it being paid is expressly forbidden by that federal law. At that time he gave us an updated address and telephone number. He then called Walla Walla Clinic and told them we told him to call them to have the account removed from his credit file. The agent at the Clinic then put us on a three way call with Mr. [redacted] who then backtracked on what he first told the Clinic about us telling him to call them. We again told Mr [redacted] we could not remove the collection from his credit file, that if he paid it we would mark it paid in full as we do with every other consumer. If Mr. [redacted] had put in forwarding addresses with the post office he would have received the notices Walla Walla Clinic sent and he could have paid them and it never would have been referred to my office in the first place.
If Mr [redacted] pays the account we will mark if paid in full on his credit file but I am not going to violate the federal law for him.
Thats fine as long as they are not showing open. I talked with a gentleman on the 15th and he did tell me the only way he would close it would be if I paid it then I told him that they cant collect on it and he said we arent collecting. Then I told him my lawyer told me they had to close it he refused with all due respect I am not a liar if he told you he didnt say that then im afraid he is the liar not me. Thank you for doing what you should have done from the beginning. I feel sorry for the people that dont know how to protect themselves and keep your business accountable
PS If you hate what you do find another job dont take it out on people who are trying to put their lives together. just my opinion! [redacted]
Mr [redacted] called us last December 15th inquiring as to the status of the two accounts we have in our office for him. We told him they were included in his bankruptcy and should be reported as such. He stated that they are still reporting as open. We have them coded as "included in bankruptcy" and...
they should have been reporting as such on his credit file however to make sure they are reporting as such we have resubmitted them to the credit reporting agencies as "included in bankruptcy". It may take the credit agencies 30-60 days to update their files but they should be reporting correctly from then on.
At no time did we tell Mr [redacted] he needed to pay these accounts.