Quote:
Originally Posted by mmaddog
They are required to send you information that tells you about the balance they are trying to collect. If it's for a gym membership, then there should be a statement they can send you for the balance owed. Make them prove to you that you owe the balance...it's something they are required to do.
Once they have proven that you legitimately owe it...then do as Mr. Flopnuts says, and use that knowledge as a bargaining chip to gain the erasure of the mark on your credit report. And if they agree..GET IT IN WRITING!
Mr. Flopnuts advice is spot-on....all they care about is getting the money. If they have to farm it out to an Attorney their cut goes from 18-25% to more like 10%.
mmaddog
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The problem is that it's automatically being taken out of my debit card tomorrow at some point.
I didn't know what to say to them since it was my first issue with credit problems.