Paying a Debt Collector with a Credit Card
I am being sued although the process server has not been able to process the paperwork. He has tried a couple of times while I was at home - I just didn't respond. I paid the debt by sending in my credit card information via email and fax. I did not get a receipt. I spoke with the lawyer briefly as I was at work when she called; she is now telling me I owe more than the principal amount.
What should my next steps be? Do I need to accept the summons?
—Annette
Hi Annette, please provide answers to the following questions in the comment section below. I will have more feedback for you once I know more of the details.
Who is the original creditor on this account?
Who is collecting on it now, the original creditor, or a debt buyer?
Who is the attorney firm collecting and that you spoke with?
Did they process the credit card payment? If so, on what day?
How much was the payment you made, and did you determine the amount you paid based on what you were told you owed on the debt over the phone, or an amount that was outlined in a collection letter you received?
When did you last make a payment on this debt to the original creditor?
What state do you live in?
If you can answer these questions, I will be better able to offer my feedback about next steps and the summons they are trying to serve you with.
About Michael BoveeMichael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.
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