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Credit Card Charge Off Collection Attorney

Credit Card Charge Off Collection Attorney

I went through a very difficult time financially and was unable to pay my credit cards.  ( House, food, and heat came first)  I contacted the credit card company and explained and told them when I could start making payments.  I told them it would be 9 months, which they noted, and they called every few months.  Now I know 9 months is incredibley late, but I was being very honest.  Right when I was at the point when I could make payments, my account was sold to a collection ageny, who then gave it to an attorney’s office.  It went to court and I agreed to pay $100/00 month.  I have it taken out of my account every month.  Have paid it for 7 months straight.  The collection agency ( Arrow Services) who never collected a dime but sold it to an attorney’s office that is a collection service, is reporting it on my credit report as open and unpaid as of 12/09.  Recent payments: 0  In actuality,They sold my account over a year ago.  There is nothing from the atty’s office as having made payments. I have paid $700 of a $2,000 account ( which was originally 900, but all the fees brought it up to 2,400)
 
Is there anything I can do to have this poor reflection reflect a little less harshly?  It makes it look like I am making no payments when I am fufilling my obligation on this credit card.

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credit-repair@yahoogroups.com
 
 
http://finance.groups.yahoo.com/group/credit-repair/
 
 
there are probably some legal avenues you can take on this one
i think you should submit this to the credit repair yahoo group above and let someone comment on it.
 
I would dispute the account with the collection agency
the credit card company
and validate the account with the attorney before i paid them any more monies.

good luck with your credit score anf your free credit report

Posted in Bad Credit Credit Cards, Charge offs, Collections, Dispute Errors, Free Credit Help, Judgments.

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