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-   -   collections agency question... (http://www.firearmstalk.com/forums/f12/collections-agency-question-104094/)

Mosin 02-17-2014 02:33 AM

collections agency question...
 
I called the power company (Maine Central Power) before I went to sea, in October. I had moved, and wanted to confirm that I owed them nothing, and that my utility bill was switched to the new tenants. They informed me that I was fine, owed them nothing, and that everything was taken care of on my end. No email, no phone calls...nothing.
I just get home tonight, and see a stack of letters from a collections agency, stating that I owed Central Maine Power $190. And that It has been reported and gone to collections.
Well **** them.
What can I do from here? I don't want this on my credit. I did what I was supposed to do.

SSGN_Doc 02-17-2014 02:45 AM

Call them and see what they are willing to do. If they failed to switch to Tenant billing then they may be flexible. You may have to follow up with the collection agency to ensure that they get notified of the resolution.

Mosin 02-17-2014 02:50 AM

Quote:

Originally Posted by SSGN_Doc (Post 1508280)
Call them and see what they are willing to do. If they failed to switch to Tenant billing then they may be flexible. You may have to follow up with the collection agency to ensure that they get notified of the resolution.

My main concern is this being reported to my credit agencies... if this is resolved, can they remove it from my credit report, or what steps do I need to take to ensure that this does not negatively impact my credit?

I've been busting my ass to build up credit the past year, looking to buy a house, and come home to this ****...i am furious right now.

Vikingdad 02-17-2014 02:54 AM

I am going through a similar thing with my mother's old phone service. I called and shut it off, got the confirmation number, person's name, wrote down the time and day that it all was done. Got a bill two months later saying that they owed her money, I called and read them the confirmation number etc and asked that they send mom a check for the amount, etc..

two months later we get another bill, this time saying she owed them $60-some etc.

This all started two tears ago. it has gone to collections and they are now calling my cell phone. I have sent them copies of all of the documentation, numbers, etc. but I don't think it is cleared up yet.

Basically I am just saying fuk em. Mom won't need her credit rating anyhow.

MisterMcCool 02-17-2014 02:58 AM

If it is a third party collector, tell them you did not borrow from them, you owe them nothing, and you do not wish to be contacted by them. If they persist, let me know. :mad:

https://www.daveramsey.com/recommends/fair-debt/
http://credit.about.com/od/debtcollection/a/collectionlaw.htm
http://www.consumer.ftc.gov/articles/0149-debt-collection

bluez 02-17-2014 03:30 AM

The power company charged me for my dead beat renters electrical. They were supposed ot put it in thier name but never did.
And the power company never turned off their electrical despite them being many months behind ( where I live its switched off if i forget it over 60 days).

I had to pai $1800 dollar for my dead beat renters electrical to have the power on in my house when i needed the sump pumps running.
They were only about to turn it off after I had those jack asses finally evicted.
they did multi thousand dollar damage to my house floor too.

I should have evicted them much sooner but the dad got put in jail shortly after they move din and I felt sorry for them when the mom cried on the fone when i told her she was 6 months behind.
In the end when they left they were 11 months behind.

Mosin 02-17-2014 03:45 AM

Quote:

Originally Posted by MisterMcCool (Post 1508290)
If it is a third party collector, tell them you did not borrow from them, you owe them nothing, and you do not wish to be contacted by them. If they persist, let me know. :mad:

https://www.daveramsey.com/recommends/fair-debt/
http://credit.about.com/od/debtcollection/a/collectionlaw.htm
http://www.consumer.ftc.gov/articles/0149-debt-collection

The letter i have says that it was reported to the credit agencies....
What recourse do I have with that?

Vikingdad 02-17-2014 03:54 AM

Quote:

Originally Posted by Mosin (Post 1508333)
The letter i have says that it was reported to the credit agencies....
What recourse do I have with that?

That is McCool's point. Did you go to the links he provided?

First one says

"If you are getting threatening and abusive calls or you have collectors harassing you at work or at home, it's time to fight back! Debt collectors routinely violate federal law. The Fair Debt Collection Practices Act (FDCPA) protects your rights and punishes out-of-control collectors.
*A third-party debt collector is an agency that is NOT the original creditor, lender or company from which you have borrowed money or received a line of credit."

Mosin 02-17-2014 04:03 AM

Quote:

Originally Posted by Vikingdad (Post 1508344)
That is McCool's point. Did you go to the links he provided?

First one says

"If you are getting threatening and abusive calls or you have collectors harassing you at work or at home, it's time to fight back! Debt collectors routinely violate federal law. The Fair Debt Collection Practices Act (FDCPA) protects your rights and punishes out-of-control collectors.
*A third-party debt collector is an agency that is NOT the original creditor, lender or company from which you have borrowed money or received a line of credit."



Yeah, I went to the links provided. The agency never contacted me as far as I know. I don't have any messages or emails... I was at sea, and came home to a stack of letters from them.
So they're not violating any of those laws.
as far as I understand, yes, they can report it to a credit agency that I did not pay them...

Vikingdad 02-17-2014 04:32 AM

Quote:

Originally Posted by Mosin (Post 1508358)
Yeah, I went to the links provided. The agency never contacted me as far as I know. I don't have any messages or emails... I was at sea, and came home to a stack of letters from them.
So they're not violating any of those laws.
as far as I understand, yes, they can report it to a credit agency that I did not pay them...

OK. Sorry about that. I thought they were calling.


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