Debt Collectors should follow the FDCPA
Our society has developed immunity to debt collection methods. Debt collectors in the US stoop to realize the payments. Most often debt collectors end up in harassing while employing aggressive methods to squeeze money from you.
This entry was posted by Finance on May 30, 2010 at 12:29 am, and is filled under bankruptcy. Follow any responses to this post through RSS 2.0. You can skip to the end and leave a response. Pinging is currently not allowed.
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I agree, CatDad gave excellent advise.
You should know though that they cannot force you to pay by certified funds. If they don't take payment in the method you want to make it, then you can always not pay them.
You don't want to give them your bank account number, which is on your checks, because debt collectors are notorious for overdrawing checks.
If you have negotiated the debt down, then get that in writing before paying anything. At that point, I think it is safe to pay by check so long as it is a solvent debt collector. You have good payment tracking with your bank that way and if they overdebit your account, you can sue them for breaking a variety of laws and get back much more than it costs you.
If they refuse your method of payment, then tell them to go back to the creditor and tell them that you offerred to pay and they refused payment.