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Author Topic: debit colector  (Read 1784 times)

Offline bhphotoman

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debit colector
« on: July 24, 2011, 05:24:04 PM »
hey all quick question i am in a fight with chase bank and they finally sold my debit now i can pay it of in full (chase lied to me many times and they admited it to me several times so i stopped paying and then try to reach a settlement with chase but the refused to budge) but i have been waiting for them to sell it so i can ask for a hefty discount the debit is 3700 1000 of which it late fee's and other fee's my real debit is about 2700 how much sof a discount should i ask for also what info if any do i need from them in regards to the credit bureaus
much thanks 
please help if you can
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Offline elikay

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Re: debit colector
« Reply #1 on: July 24, 2011, 05:37:10 PM »
My guess is that they paid the same pennies on the dollar for the 1000 as the 2700 so I don't think that will make a difference to them, (meaning they bought the whole thing and don't care that 1000 is fees which you dispute).
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Offline bhphotoman

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Re: debit colector
« Reply #2 on: July 24, 2011, 05:39:20 PM »
ok but say the paid 30 cents to the dollar which is a very high amount that means it cost them about 510ish? what kind of discount can i ask for and what about all the bad stuff on my credit report
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Offline moish

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Re: debit colector
« Reply #3 on: July 24, 2011, 06:02:00 PM »
doesnt this type of behavior completely destroy your credit?
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Offline Dan

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Re: debit colector
« Reply #4 on: July 24, 2011, 06:04:15 PM »
Quote from: moish on July 24, 2011, 06:02:00 PM
doesnt this type of behavior completely destroy your credit?
Of course.  And all for a measly couple thousand dollars?  You can make that up in a couple churns!
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Offline bhphotoman

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Re: debit colector
« Reply #5 on: July 24, 2011, 06:08:39 PM »
my credit was destroy threw identity theft as is so for a few thousand it wount make much of a dif since its all being cleaned up now this is the last remaining thing left to deal with i still have all the good cards and stuff with high credit so i am not to worried i just need advice dan any help would be awesome
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Offline Dan

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Re: debit colector
« Reply #6 on: July 24, 2011, 06:10:15 PM »
You're lumping together identity theft with not paying valid bills? Huh?

No idea, I don't involved with this side of the system.
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Offline bhphotoman

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Re: debit colector
« Reply #7 on: July 24, 2011, 06:15:57 PM »
no it was a fight with chase bank over about 3k so i figured i would just not pay since it was not valid and now i need help with regards to what kind of discount to ask for and what to do with regards to reporting to the crediting agencys
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Offline Dan

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Re: debit colector
« Reply #8 on: July 24, 2011, 06:18:40 PM »
Others can help you better with that than I, but all I can say is good luck ever getting a new chase card approved after stiffing them!
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Offline bhphotoman

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Re: debit colector
« Reply #9 on: July 24, 2011, 06:27:56 PM »
from i read if i settle with them direct it will fix things but i need to neg with the debit collectors and go back to them and say this is what they offer and hope the match it rather then lose so much money
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