I AM RETIRED AND WEALTHY WITH NO BILLS SO NOT SURE WHY YOU HAVE CALLED MY CELL over 20 times...

well at least they just called you and did not take the money out of your account without you knowing anything about them because thats what they did to me today tried calling but they dont call back so they pretty much stole 320$out of my bank account

They call ,wrong number that's for sure so please stop calling. no one here that you are looking for.try ANOTHER NUMBER.STOP THE CALLS PLEASE. I have asked nice this time not the next though next time harassment  u will get from me.thank you.now take me off your list or whatever it is. There is never anyone to responed back to  it is all a taped message from them who ever you are.I know for a fact there is someone listening on a ext;; so can u understand stop calling me or try to speak as a human person.

That is actually completely incorrect.  Once an account is assigned for collections, the collection agency gets paid on consignment regardless of who you pay.  The creditor enters into a contract the same way you did when you obtained the credit to begin with.  If the agency does not get paid, the creditor becomes the debtor.Additional myths; Debts are purchased by collection agencies.  If you have a 10 year old MBNA account then yes, it is entirely possible BUT if your account has been sent to collections in the past 5 years, the agency is working on behalf of the original creditor.  No major bank is going to sell off your 10k visa account for pennies on the dollar because you went 180 days in arrears.Collection agencies can settle for whatever they like.  Wrong again!  Because your debt has not been purchased and the agency is working on behalf of the creditors, the creditor sets guidelines in which the agency needs to follow for settlements ie. 80%.  Should you require additional savings, you can apply for what is called a below parameter settlement and in which case you will need to provide financial information such as proof of income, proof of additional debts, assets etc.  The bank/agency are under no obligation to settle any debt.  Remember, you signed a legally binding contract indicating you would pay all monies owed including interest, late penalties, over limit fees etc. Generally speaking, collections will work with you to resolve the issue.  Be decent and honest and they will try to help you.  Yell and name call and you will end up on that nasty auto dialer that calls you 20 times a day!

Because I liked talking to you..Leading you on..Then one day I remember -picking up the phone,screaming like I was set ablaze!And you never cared 2 call me again. :(((True story))