Question Accounts are starting to go to CAs

[bal_ny]

Last week, two of my OCs turned my accounts over to CAs. Another one went to a CA on Monday of this week. My guess is that because I stopped paying on them all around the same time, I'm going to see this happen a lot over the next couple of weeks as my accounts transition from the OC to a CA.

I've been turning the letters from the CAs over to my attorney as they come in, but what happens if more letters show up after I've filed? How big a hassle is it to add them?

[Cali]

When did you stop paying them?

I would think you could just let your attorney know if you get letters after your file date.

[bal_ny]

I stopped paying in February.

[keepmine]

Just be sure the OC is listed as well as the collection agencies to date. You don'tneed to anything about a debt transfered to a collector after you file.

[momof5]

I have noticed the same thing. We stopped paying in February as well. I mentioned to my husband this past Saturday that there had only been 43 calls. I know that might sound like alot but its about 50% of what we have been getting.

Fast forward to today.... So far I have 56 and its only 1:45 pm. There are 4 new numbers and names calling. One is an ERMI... I really need to look them up because they called 12 times this past hour alone. I can tell the CA's are a bit more aggressive with the phone calls, no messages left though.

hurry stimulus arrive soon!!!

[bal_ny]

I've actually started answering. With all the new numbers calling, I want to know who's sent my account where. No aggression on their part yet... I just tell them I'm waiting for something in writing and I'll call them after I receive it. They say 'ok, a letter was mailed on XXX' and don't try to push me for a payment.

I'm sure that part of it will start next week.

[WhatMoney]

There are 4 new numbers and names calling. One is an ERMI... I really need to look them up because they called 12 times this past hour alone.

ERMI is Encore Receivable Management Inc., an aggressive debt collector known for telephone harressment.

http://www.encorermi.com/locations.html

[momof5]

ERMI is Encore Receivable Management Inc., an aggressive debt collector known for telephone harressment.

http://www.encorermi.com/locations.html

Thanks for the info! Since I last responded in this thread there have been 9 more calls from them...a total of 21 from just them and its only 4pm! Not one message either. Thank God for the 'ringer' off button.

[WhatMoney]

With all the stimulus money getting out there, it is like dumping blood in the ocean - the sharks are gathering. These scumbags want your stimulus payment - there should be many horror stories coming up as the sharks increase their attacks.

21 calls so far from the same CA in one day - that's amazing - their autodialers are going to blow up.

[Cali]

I didn't think they could call you that many times in 1 hour.

So far, I've only had 4 calls and I stopped paying the majority in February.

[dragonnfly]

I filed April 8th and all the calls have stopped, mostly becuase after we filed I couldn't wait to tell them because I know then they would stop. I have one that calls and its says that annoying 800 Service. They call from 9am to 11am everyday, they dont leave a message. You would think after a month they would figure out no-one is here but the cat mon-fri from 9am to 11am. But no, if I call the number back it doesn't identify who it is at all just puts you on hold for the next available operator who never comes.

[justplaintired]

We stopped getting calls in March, we stopped paying in Jan. Middle of March we finally answered the phone and gave them our attorneys name and number who I know for a fact they all called, the paralegal told me so. Wonder why the quit calling us? We haven't filed yet, won't be for awhile. We have only gotten one letter from a collection agency. We are still getting paper bills with unbelievable payments due!

Right now our monthly payments would be more then we bring in a month if we actually paid them. It's not funny really, but one cc wants a payment of over $1500 this month to catch up??!?! Who has that kind of money to pay one cc.

Really not sure why they quit bothering us, paralegal told them she was working on our papers and yes we had paid in full and we were filing C7. Wonder if that's why?

Not really sure, but, won't do me any good to worry. I sure don't miss the phone calls, that is forsure!