I have a friend who Unintentionally went into collection for a $295 debt from Citi. NCO got a hold of this debt and calls her up. Well she just got her taxes and wanted to go ahead and pay up. While talking with this guy at NCO she agrees to pay the full payment plus additional fees but states she doesn't like giving account info over the phone. She asks for an address to send the M.O. to.
The gal on the other side suddenly gets downright abusive, calling her a "Retarded Deadbeat" and telling her that she agreed the debt was hers and if she didn't give the info over the phone they were going to ruin her credit get a judgment and take the money anyways. Shes stunned and the only thing my friend can bring herself to do is hang up and ignore when NCO called back.
Now get this, Few days later she gets a letter from NCO asking to please send payment to an address. WTH!!!
She ended up calling Citi, Citi hadn't completely discharged the debt and she was able to pay them directly. They even waived the Late fees and went as far to offer to re-instate the account. She was smart and left the account closed.
The gal on the other side suddenly gets downright abusive, calling her a "Retarded Deadbeat" and telling her that she agreed the debt was hers and if she didn't give the info over the phone they were going to ruin her credit get a judgment and take the money anyways. Shes stunned and the only thing my friend can bring herself to do is hang up and ignore when NCO called back.
Now get this, Few days later she gets a letter from NCO asking to please send payment to an address. WTH!!!
She ended up calling Citi, Citi hadn't completely discharged the debt and she was able to pay them directly. They even waived the Late fees and went as far to offer to re-instate the account. She was smart and left the account closed.
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