Creditors Interchange Receivable Management ripoff Cheektowage New York

Anon,

By making a payment you have legally validated the debt. Now they can sue you and possibly get a garnishment, or sieze property where, before, most likely they could not have.

This is the game they play, and unless you are very agressive, you will lose when dealing with any debt collector.

It is illegal for any collector to threaten or intimidate you in any way. You cannot be arrested for any debt. And you cannot lose your house, car or anything else to any third party debt collector, unless it was specifically used as collateral on the debt.

Debt collectors are absolutely powerless and can do absolutely nothing to you. This is why they use threats and intimidation as a way to manipulate you into doing something you shouldn't. Think about this in perspective. If there was really something they could do, why would they need to talk to you? They wouldn't.

FYI..One letter can stop the calls. Another letter can stop them cold in the collections process. Go to FTC.gov and read the FDCPA.

NEVER speak to any debt collector on the phone. And NEVER give ANY collector your banking info or a payment of any kind, or agreement to pay. Always ignore them and make them sue you. Most won't.

Read some of the other debt collection and collection agency threads on this site to get an idea of what you are dealing with here.

Good luck.

Hi I too have been threw and had my share of dumb moves as a young adult thinking I need everything. I do know that I have a debt.
However last year I was contacted by this company of Creditors Interchange and spoke with a very rude lady. She stated to me that my account needed to be addressed and threatened jail, and losing everything in my life. So I put on file 6 checks for what I think and know is a car payment.

Well after the 6 checks the lady called again being very rude and this time wanted 3 checks but wanted to increase the amount. As of 2 months ago. I have paid $2,700 and my account started at $5,000. Just 2 months ago. I was told my account was at $3,800.to me I have no idea were they went for math however its not $3,800. I also told the rude lady that I want a statement. I recieved a bill of how much was owed from me.

Well I recieved something but not what I asked for. I have always known a statement to be a summary of payments from start to recent. I then refused to answer my phone. And avoided them as much as I can and they left ongoing harrassing messages. And as well at my place of work and there is no way I can even call them or take a call for what I do for work, I barely have time to take a 30 minute break.

And one day when they tricked our receptionist to let them talk to me this lady yelled at me until I gave her a check number or anything else. And when I told her that I wanted a statement she said she couldn't give me one because the address she had wasn't valid. Well I advised to her that she was sending to an address that doesn't exsist.

Any advice will be greatly appreciated. I'm still young. And really have no more debts to figure out. However I don't want to give in any more to a company that can't give me a real statement.
Please help.