I’m at a loss of what to do. I signed up with CareOne years ago, and even with a reduction in payments I fell into a time where I was unable to meet my monthly payment. I begged for them to suspend, but was told there was no way this could be done.
At this point, I was shuffled to a kind sounding gentlemen who assured me he could help. His assuring tone and expert sounding nature was incredibly soothing in a time of stress. He basically said he could offer me a payment plan that would be half what I currently was paying through the services of Persels and associates.
I had no other option so I went ahead and signed up with the service. When contacted by Persels I was told to stop paying on all my accounts. This sounded CRAZY to me so I questioned the logic behind this method. Essentially I was told that this was the only way for the program to work. When continued to question him, he threw down the “expert” card and essentially said it was up to me if I wanted to get out of debt the easy way or hard way.
So I began to pay $146 a month and have continued to do so since that moment. Well, today, after quite sometime I checked my credit score and was shocked to see a judgement has been made against me. First off, I had no idea about this, second no one told me about this, third… what am I paying these guys to do exactly? I would like advice on how to handle this. Do I confront them? Do I figure this out on my own and cease service forfeiting over 1k for nothing? I have no idea what to do. Please help. Thank you
I need to know what to do about this judgement that has been made against me. I have no idea who it is from or how to go about acknowledging its existence. I don’t know what my legal options are so I’m considering contacting Persels and Associates. The problem is, they have not been in contact with me AT ALL despite receiving my payment every month. Aren’t they some how accountable if they are in charge of mediating settlements with the creditors? Any help is greatly appreciated. Thank you.
It sounds to me as if you were working with CareOne on a debt management plan and that at some point you could no longer afford it and looked for alternative solutions. You were then connected with Persels and Associates and enrolled you in a debt settlement program.
If you were sued by the creditor and not properly served, that would be a legal matter which you should discuss with your attorney at Persels or a local attorney licensed in your state.
Any time you are not making payments to creditors under some mutual agreement there is always the possibility of continued collection activity, legal action, etc.
One issue I’m curious about is if you started or were still getting calls from your creditors or collection notices on these accounts once you fell out of the debt management program. Did your creditors not communicate with you at all?
You should absolutely contact Persels and Associates and discuss this issue with them. Never hesitate to contact your debt relief company at any time and ask for help or clarification. After all, at the end of the day, these are your debts.
Please post your responses and follow-up messages to me on this in the comments section below.