Open Question: I believe a collections agency has violated the FDPA?
Nobody is perfect so yes I owe money on 2 separate cards. I was notified last week from a collections agency about the debt. Since then I have offered on several occasions to pay what I could afford until the debt is paid off, they keep rejecting it and demand payment well over what I can afford.
I have also been belittled and yelled at by one person to the point that I was in tears. I had even spoken with his supervisor whereby he told me that they are not customer service and they are jerked about by people all day. Does that give anyone an excuse to yell and redicule anyone?
I have also asked numerous times to be sent documentation of the debt and what they are proposing as settlement. They refused everytime. They have also requested a post dated check that they would deposit in 2 weeks.
The big question is this, if the agency refuses my payment does that deem the debt null and void?
