Reader Questions

Do I Have to Pay an Old Visa Bill? – Hector

Visa bill was disputed with card issuer 5 years ago over a purchase done through eBay that was damaged and not done through Paypal. Selelr said we didn’t buy insurance and USPS denied damage claims. Visa said they covered purchases, but not used items. We refused to pay and cut our Visa card.

5 Years ago we disputed a bill with Visa. Visa denied it and we disputed it again but never heard back from Visa the second time. We cut the card and never used it again. Now Weltman, Weinberg & Reis is going after me for $900 plus all the late fees Visa wants. We’re not going to pay and Visa can go pound salt and get their money back from that eBay vendor. How can I get rid of WW&R? How can I get rid of VISA and not damage our credit? We’re not going to ever pay so they should just write it off. Now, I will say that WW&R callers are polite and not the evil collectors that people say they are on the Internet about them. But like the Weltman girl said, she cannot make the bill go away and I know she can’t. What is the best way to tell Visa to go away, forget about ever getting paid, and to stop bothering us and wasting Weltman’s time?

Hector




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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

5 Comments

  • Nice information.And now a days there are a lot of facilities offering by different banks so that to increase the user rate.And recently military credit cards are offering the best facilities.The best thing about this card is it automatically pays you the rewards in your account monthly without the usual $50 minimum like most credit cards.

  • Check the statute of limitations (see: http://www.cardreport.com/laws… as the other fellow suggested.

    Also, bear in mind that debt collectors pay only pennies on the dollar for the “paper” they buy. So you can negotiate down the amount, if you are careful and polite. Explain the situation and ask them to waive the late fees, interest, and penalties. They may have paid only a few hundred (if that) for that paper, so they make out if they can get even half the balance due from you.

    I got into a similar situation recently over an old phone bill. I went online to cancel the service, but they claim they never received the notice to cancel. They billed me for two additional months of service until I sent them a certified letter telling them to cancel service. I told them to go sit on a tack over the balance ($64) and figured that was the end of it.

    But three years later, I got a call from a debt collection agency. I asked them politely for the documentation and they sent it to me. $64 is not a lot of money in the greater scheme of things, although I’ll bet I could have talked them down to $40 without trying – or perhaps less.

    See if you can negotiate down the balance. And next time, use PayPal…. I always do!

    Good Luck!

  • Check the statute of limitations (see: http://www.cardreport.com/laws/statute-of-limitations.html) as the other fellow suggested.

    Also, bear in mind that debt collectors pay only pennies on the dollar for the “paper” they buy. So you can negotiate down the amount, if you are careful and polite. Explain the situation and ask them to waive the late fees, interest, and penalties. They may have paid only a few hundred (if that) for that paper, so they make out if they can get even half the balance due from you.

    I got into a similar situation recently over an old phone bill. I went online to cancel the service, but they claim they never received the notice to cancel. They billed me for two additional months of service until I sent them a certified letter telling them to cancel service. I told them to go sit on a tack over the balance ($64) and figured that was the end of it.

    But three years later, I got a call from a debt collection agency. I asked them politely for the documentation and they sent it to me. $64 is not a lot of money in the greater scheme of things, although I’ll bet I could have talked them down to $40 without trying – or perhaps less.

    See if you can negotiate down the balance. And next time, use PayPal…. I always do!

    Good Luck!

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