Quote:
Originally Posted by phillip
One thing about Flopnuts' post:
I was dealing with this same kind of thing for an apartment move out fee. What I learned from that was, at least in my case, the collection agency could not remove the collection from my credit report.
After I was extremely persistent, he told me roundaboutly that I would have to pay the apartment complex directly and convince the complex to tell the collection agency that it was error and should be removed.
The collection agency was not allowed to tell the credit monitors that it was an error without authorization from the creditor (apartment complex).
So what I think you want to do is cancel the payment to the collection agency, and then negotiate with the gym.
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That collector lied to you. Collection agencies use that as a negotiating tactic a lot. The only thing is, if they do it too much the credit reporting agencies will stop allowing them to report. So they have to be on top of it. Dunit, if you REALLY want to try this out just dispute the charge with your bank when it comes on, and call the collection agency and give them the exact spiel I gave you last night. It's going to be A LOT of work, but you can still get it done.
As far as permission to record you, it depends on what state you're in. WA, CO, and a dozen others are dual requirement states meaning both parties have to give permission. The way they trick you is by saying all calls are recorded and monitored for training purposes. When you stay on the phone, you've basically given your consent. If you don't want it recorded, hang up.