My car was repossessed about 3 years ago. The debt transferred from the bank to a collections agency. I was on a payment plan with the debt collection company. I did not pay the full amount of the loan, but they stopped calling for about a year and did not make payment arrangements. I recently received a call letting me know that my loan is now being collected by the original lender, in which the collector was extremely rude, argumentative and defensive. Is there something I can file against the company for this treatment and for the fact that they didn't call me for a year+ and now they are trying to collect the money again?
Answer
Why are you talking to these people at all?
If they send you mail, put it into a box and forget about it; if they call you, hang up immediately.
This has already affected your credit rating, and my guess is that nothing you do can make it worse.
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