“Dear Steve,

Debt with R.C.Willey ,that due to emergency health situation ,it went to Acct Corp of Nevada as collection.

Per Account Corp principal of debt was $8,881.48 , Contractual collection fees of $2,960.49 of which RCWilley has reduced to $2,018.52.contracual interest of $5,230.78 which there client R.C.Willy has agreed to reduce to 0. I have R.C.Willy’s transaction history on my account that shows I made payments directly to them for $5,482.00 .I have paid to Account Corp $2,490.00 to date. There manager wants me to settle for $7,000.00 /2 payments.$3,500 each.

He shows figures that are different from mine , on my direct payments to R.C. and Account Corp. Here is another twist . They have reported the collection to the 3 agencies and have reported that I owe $4,981.00 as a balance.

In addition I have been trying to settle this at their suggestion since I have a good payment history with them ,yet a Mr. Kaplen (Account Corp) manager gives me his email address yet does not relply to it then when I finally get ahold of hism he gives me anouther address to use and says the one I gave him he just doesn’t use that much .The email is a corporate .com address to his name.

I have no idea where to turn now.

Any advise would be helpful. I did write to you about this several months ago and this is how far I’ve gotten.

Thanks for all you do

John”

The Answer

Dear John,

I think the best place to start here is to write a nice letter to Account Corp and provide copies of your backup showing your side of the story.

Indicate you are willing to resolve this debt but need some clarity since everyone claims a different balance.

You can use some of the information requested in a debt validation letter to know what to ask for. See this post.

But since you have already been making payments on the debt you can’t really dispute the validity of the debt itself but it seems perfectly fair to ask for clarification on the math.

You don’t need to say this in the letter to them but if they still refuse to be reasonable then you may want to look for a Fair Debt Collections Practices Act attorney in your state.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

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