Credit Repair Quotes
The threat to send to the collection, but I have no contract for payment?
Hello, My A / C was broken in June, so he hired a company for repair. He called me on the phone and I agreed to their price. I went ahead and paid $ 300 for the phone with my credit card. That day sent someone to my house to fix the A / C. Now, 6 months later, they sent me a letter saying that I have an outstanding balance of $ 500, and if payment is not next week, be forwarded to collections. They already charged my card $ 300 and no contract for an additional $ 500. No invoice, I receive nothing. All I have is a scanned copy a receipt for the original sum of 300 which have never signed. How can transmit to the collections? What can I do? Thanks
The itemized bill is a first step. Since they have no contract with them, can not collect more money, but could end up with credit history problems if they add to their record of the case went to collections. Therefore, write a letter telling them they're willing to pay the amount shown on a signed contract. Tell them they have no record of anything beyond the originally agreed to $ 300, but want to clarify things and want to see a copy of your contract with you. We caution that is given to a lawyer and a an action plan in the event that unfairly attempted to collect a nonexistent debt, and may also consider a complaint against him for extortion. The purpose of his letter is to create legal grounds for further action, in case you decide to go ahead and submit to collections. Of course, if they are really able to produce a signed contract that requires an additional $ 500, you have agreed to pay his letter, and you should. But as you say it's impossible, you are able make your life so miserable that they want to do theirs. (Keep in mind that lawyers cost money, and judicial remedies for many years. But eventually going to succeed if you put in the correct position from the beginning.)
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