Can a collection agency enroll you in auto bill pay with no other options?
April 19, 2010 by admin
Filed under ACH Transaction
A collection agency is saying in their letter,"If you pay us by check or check by phone, your transaction will be converted to an ACH". Which from what i understand is automatic bill pay. They give my no other option of payment other than online which says the samething on the site. Is this legal for them to do? I can’t see how it would be.
No…No…No…..This means that you will give them unlimited access to your checking account….DO NOT do this! This is like giving the keys to your front door to burglar. In almost every case, when you give debt collectors your checking account numbers, it invariably leads to disaster in the form of negative checking account balances and hundreds of dollars worth of overdraft fees…creating a completely separate problem for you.
Tell them that you will ONLY pay via USPS money orders. If they give you a nasty attitude about this, state that following:
I am officially documenting that you are refusing a legal method of payment. I will be following up with documentation in a certified letter to your office regarding refusal to accept payment.
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How old is this debt…when did you default and last make payment on it? Is it credit card debt?