Hi I am being sued for a past medical bill. My mom agreed to let me use her credit card to pay it off. I called the company to pay it they said I need to call the debt collector. I called the debt collector and they said I had to call the attorney. I talked to the attorney and told them my mom has offered to pay off the debt with her credit card. They told me they only take checks. I don't have any money to give them. What would happen if i went on the debt collectors website and paid the account off and sent the attorney the receipt? The debt would be paid. Could they do anything to me if I did that?
Before making any payments I would consult with a consumer attorney that specializes in debt harassment and the Fair Debt Collections Practices Act. You should have your case reviewed for potential federal and state collections violation. These violations are quite common, especially when it comes to collecting past medical debt. If the debt collector has committed a violation then you will be in a much better position to resolve the matter. You may even be entitled to damages.
You run the risk that the payment will not be properly credited as the attorney now has custody of the account. We are NOT ALLOWED to accept credit card payments from debtors. You may wish to find out if the law firm will accept debit cards. Otherwise, I would suggest getting some checks.
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Bad idea. The collection agency said that they will not accept payment on the account because it has been transferred to an attorney. If you force a payment on the collection agency, they have no obligation to accept it. I would suggest you figure out a way to pay the attorney using a method that they accept. Also, they might be willing to accept less then the full balance, so you can try making an offer. Good luck!
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