sam's club collection agency

First of all, you admit you owe Sam's Club $236.00 and it has gone to
collections, so that means that this bill has been sold to a
collection agency by Sam's Club, therefore, your letter should be
directed to the collection agency, not Sam's.

Second - - no collection agency is going to wait 16+ months for their
money ($236 divided by $15 per month). They will, perhaps, accept
half of what you owe them over a two month period but beyond that,
they simply don't accept payments. The time to make timely minimum
monthly payments was before the account was sent to collections and
that time has obviously long passed.

Collection agencies are in the business of collecting money and they
will call you as many times as the law permits in order to do their
job. You state they have called you 59 times but you don't say over
what period of time these calls have occurred. The bottom line is
that you cannot prevent them from calling you and the fact you are
disabled and can't get to the phone easily doesn't come into play with
this situation.

Instead of ranting about being harrassed and threatening to charge the
collection agency $25 per call, you need to find a way to pay this
bill in full as the legal calls won't stop until you do.

Are you actually answering these calls and speaking to someone?

Or are you just letting your answering machine get them?

Or are you blocking them with you telemarketer zapper?

You cannot put a message on your machine that says that you don't
accept calls from legitimate creditors. It is not harassment for them
to call, if you have a legit debt, and they don't have to back off
just because of your answering machine message.

1. Please write Greg -- greg@planetfeedback.com -- and ask him to
remove your address from the post. It gains you nothing to have it
there (Sam's will have gotten it separately) and there are downsides.

2. I suspect that the collection agency is not actually a part of
Sam's, and you really need to deal with the collection agency
yourself. You can get their number off Caller ID and call them back.


3. You acknowledge that you owe $236. You need to make arrangements
to pay it. If you can't pay it all at once, tell the collections
agent that, and arrange to pay it off in installments.

4. They can call you to collect the debt. It's annoying and
frustrating, I get that, but they're allowed to do it. And if it
makes you feel better to send them bills for calling you, have a ball
with it, but it's not going to do anything to improve your situation.
They're still going to call you.