Question about misinformed collection agencies?
After filing personal bankruptcy 13 years ago, my friend got a call about 3 years ago from a collection agency (called NARS) and said that my friend could pay a lower price of over 0 to get rid of the debt she was in. The problem is the store that this agency said this person owed on, was listed on the bankruptcy report and declared as discharged along with all the other credit cards that was on the bankruptcy file. This friend of mine kept telling them this and thought she got her message through, as the phone calls stopped. All she had was the first paper from the file the court gave her and nothing else to prove but heard nothing until about 2 months ago, when the calls started up again. This person has been distraught after her husband passed away (you all know of course that no one cares about that). Anyway the entire bankruptcy file was purchased for and a certified letter that cost over was sent to NARS (National Asset Recovery Services) along with a bill for . They got their verification that the store in question was indeed on the file but of course, she knew they wouldn’t pay up. Keep in mind that someone who is knowledgable said that the collection agency and/or the one who sold this owed money report is required to obtain this bankruptcy file themselves. Here comes the real question I’d like to ask. I was told that whoever sold this person’s records to a collection agency didn’t know this store was on the file (idiots) and they should have purchased the bankruptcy report themselves and so she feels strongly that they (NARS) should pay back/reimburse what she had to pay (to prove that she didn’t owe anyone). The store was called and they said that the agency is the one that wants the money, the store doesn’t have a problem with getting their money back. Would it be in the best interest of my friend to sue to get the money back from purchasing the file which cost and for the certified mail for to make sure that NARS received the copy? Maybe the BBB could be contacted. Or the Attorney General. Living on Widow Benefits doesn’t take in a lot of money and NARS caused stress while my friend was taking care of her dieing husband. Just wondering what would you do? Only serious answers are requested. Thank you for reading and taking time to consider this dilemma.

Technorati Tags: 13 years, 3 years, asset recovery services, best interest, certified mail, collection agencies, credit cards, filing personal bankruptcy, money report, national asset recovery services

he was always so controlling growing up. i couldnt drive like my friends could he never let my mom drive either. he always had to drive her out of town. i remember going to the store and i would be with him when he would see a stranger I felt like i would be kicked aside and his performances would began. he would make them feel like he is the best guy in the world. he would always had this thing for helping strangers over his family. we were always brushed aside if a stranger needed help. i just always thought this was weird growing up. i left got married. not 13 years later….i havent lived near him in those years and decided to move down the street from him. he is a contactor and he said he would do anything i wanted to my house and help me. so i paid top dollar for it and i thought my husband ,me and him would work on the house. he does some drywall work and then rips out the bathroom and rips stuff out upstairs and rips the stairs off says he is going to build me the best stairs . so my husband and i are working with him try to learn and do what we can. i was paying him what i could and then he found out i paid the wood layer to lay wood on the floors and he got really pissed and started telling my mom that we are just USING him. He said he is never going back down there and helping me. so my husband and i are now stuck with this house that he just decided to rip stuff out of and say how good he is at fixing it. he knows we dont have any money to hire contractors and we are very limited on knowledge about how to fix it. he would say you cant fix it because you dont have to money to hire contractors. and stuff like that. so my husband and i have been for the past 6 months try to learn and fix. in the meantime during this remodeling period he promised me i would be in the house christmas and i told him we cant do this together longer that that because i have another mortgage and i have to get my house ready to sell. he said i would be in the house last christmas. no he just walks in the house and said if you dont pay me for working 500 a week i would put a lien on your house or you can finish it yourself. so my husband and i just decided to finish it ourselves. he is an alchoholic gets drunk every night. the bad news is that i have been staying with him and my mom until the remodeling is done. he got mad at me last week and locked me and my son out of the house after i went to the grocery store and couldnt get my other child out of the house. my daughter let me in . he changed the locks and my key wouldnt work. he is very jealous because he knows i have about 100,000 equity in my other house and i was asking him to do this one little job that i could find anyone else to do and he thought i was talking about the house i have all the equity in and said he is absolutely not going to do any work on that house and me turn around and sell out and make money on. i had to sell all my stocks have been through my savings just to not lose anything. the whole house was ripped out and i couldnt get my other house sold that had the equity in until i got the house ready to store my stuff in because i couldnt afford storage and had nowhere to put my stuff. he shows no concience. how could you lock your grandchild out of the house? i told him that i am going to lose my house and have to file bankruptcy because he bailed on me and ripped my house out and he could care less. he never showed love to me growing up and doesnt now either. its very eery. i tell my kids i love them all the time. it seems he wants to win. my husbands family has really been helping us with out house trying to get it sold and he gets really pissy not happy for us that they are helping. i asked him if he could just please bring his triler over to the house after work instead of the morning so i could move some furniture and there will be 5 other people here also. he said oh so you are trying to con me into moving furnture. i litterly have to have another person around me when he does stuff for me because he puts on this great show and does this spectacular job when a stranger is around. if it is just me and him he will be throwing my furniture around. i feel like he wants to win . he wants me to fail. this is about him not helping and then us failing and losing one of the houses. he told me when he said he is not working any more on my house that HE has the power to get me and the kids in out house . I have wondered what i did i was a model child growing up and never asked him for anything before this house thing which was a huge mistake. and then i started reading about being a sociopath and he fits the criteria but i am not a psychologist

Technorati Tags: 13 years, christmas, contactor, drywall work, last christmas, mom, money, mortgage, stairs, stranger, top dollar, upstairs

When my ex and I split up and child support was set up, I made a budget that fit the income. After a few years, my ex quit his job to get out of child support. After finding where he was working and turning it in, he would quit again to move to another job. I used my credit cards to fill in the missing money thinking i would pay it off when he started to pay again. Well that didn’t happen. Now I am filing bankruptcy after cutting everything we used to do out. I will be able to pay the bills with my own income when this is through. My daughter sees that I am stressed and hears the collections calls. Do I tell her the whole truth? I don’t want to seem like a complete failure in her eyes like i can’t handle money and she lost everything she used to do because of my incompetence. We wouldn’t be this bad off if he didn’t run from his responsibilities. But I don’t want to make her hate her dad.
She is 13 years old. Her Dad rarely sees her because it is now his turn to enjoy life since he started to have kids at 20(he is 42 now- and that is a quote from him) He has a 21 year old son from a first marriage living with him who he makes pay all the bills in their house. That son is going to move in with me next month because he has been wanting to go to college but hasnt been able to since all his money goes toward the household expenses(he works 60 hours a week at a little more than minimum wage and he is not my biological child)
This is for the people who asked how much he was in her life and how old she was.

Technorati Tags: 13 years, biological child, budget, child support, collections, credit cards, dad, failure, filing bankruptcy, household expenses, incompetence, job, marriage, minimum wage, missing money, whole truth