Sky_Render wrote: As an aside, I never thought a company would discharge such a small debt to a collector.
They probably sold their entire inventory of uncollected debts in a single transaction. It's up to the collections agency to decide if it's worth pursuing each individual debt.
Sending out a computer-generated letter costs them, what, maybe 50 cents? Might as well do it and see if you get a check back.
Shotgun?
My GF is a bill collector for the hospital. She said to let it go to a collection agency then offer to settle. They usually knock %40 off the top.
It doesn't effect your credit for 3 months I think.
Well, so far in my readings off the FTC site, they are in violation of the Fair Debt Collection Practices Act by not providing written documentation after a dispute of the debt and continuing to pursue debt collection activities....
Hmmmmmm...... Now how to slay the monkey on the back......
Hmmmmmm...... Now how to slay the monkey on the back......
Crack habit? 
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