Question About Bill Collectors----

@marsha32 (6693)
United States
November 22, 2016 12:22pm CST
So...... I got court papers in the mail the other day. They are papers for garnishment of my wages for an old old old bill. The papers come in a previous married name. A married name that's not been mine for over 20 years. They are going to garnishee my wages from Acosta. Oh really? Sheesh...I didn't even really work for them. A year ago they bought out a company that I was working for. I did one hour of online training then went ahead and quit that job as I had planned to the following month anyway. I received one check from Acosta for $9. Idiots. Anyway, I was thinking about that 7 year thing. I know from reading that 7 years is the limitation on trying to collect a bill. I thought "oh my gosh, it's been a lot longer than 7 years so why are they bothering me?" Then I remembered........almost 7 years ago they got 25 cents from me...yes, 25 cents. I learned some years before that, from the bank, that as long as I keep a balance of less than $10 in my checking account then the bill collector gets nothing as the bank has to be able to take their $10 charge out first before paying the collector. That particular time I had $10.25 in the bank. The bank too their $10 fee and actually sent the 25 cents to the bill collector. So, I'm guessing that they are seeing that it's been close to that $7 (edit-- oops this is supposed to be 7 years not dollars...no wonder some are confused!) and are grasping at straws in order to try to get the 7 years to start over. My question is why?? This is a bill that was for a bad check. I messed up and was 10 cents short in the bank that time and the check bounced. Of course they added another $100 on for their fees, but how much have they spent trying to collect this bill for 20 plus years?? Just my little rant for the day.
4 people like this
7 responses
@celticeagle (116603)
• Boise, Idaho
22 Nov 16
Some collection companies are just money grubbing idiots. Others don't try quite so hard. When I was in my twenties and had a bank account with this one bank, that has now sold out to another company, I was very careful to check and recheck my balance. One day I found that I had $100 extra in my account. I checked, double checked, triple.....ya, you got it. I finally called the bank. They told me to watch it and if it is still there in 30 days it's mine. I waited and it was still there so it was mine. At that time I really enjoyed have the extra.
2 people like this
@marsha32 (6693)
• United States
23 Nov 16
That would sure be a good surprise.
1 person likes this
@celticeagle (116603)
• Boise, Idaho
23 Nov 16
@marsha32 .....Yes, it was. Some one major a mistake but they couldn't find it in that 30 days. Too bad.
1 person likes this
@BelleStarr (36113)
• Portland, Connecticut
23 Nov 16
I am quite sure that the amount was written off years ago so just ignore them, it probably isn't even real court papers.
1 person likes this
@marsha32 (6693)
• United States
23 Nov 16
I remember going to court about it so many years ago. The judge had me write a letter to her on my finances and by doing so they couldn't add on any court fees and such to the original bill.
1 person likes this
• United States
22 Nov 16
i'm really confused 'bout all this, hon. prolly coz i dunno who 'acosta' 'd be 'n what that's to do with a bounced check from years back? if'n they've been tryin' to collect fer o'er 20 years, yet didn't receive any funds 'til 7 years 'go, how'd they get that? sometimes 'tis the principle'f the thingy - no pun 'ntended. hugs!!
1 person likes this
@marsha32 (6693)
• United States
23 Nov 16
Acosta is a merchandising company that I last "worked for", and that was a year ago. I'm guessing they never took me off their list or whatever as an employee or my SS number wouldn't be showing that I am employed there. They have gotten money before that.....almost enough to cover the whole $109...they took it from my checking account. I had it saved in there to pay on the gas and light bills. I went to the bank crying and that is when they told me to keep less than $10 in my account and then they can't take anymore. They just happened to send in papers when I had $10.25 for the bank took their $10 and the bill collector got 25 cents.
1 person likes this
@GardenGerty (95522)
• Marion, Kansas
27 Nov 16
I got a bill not more than two years ago from GMAC which had financed a vehicle, which was paid off, lien released, and vehicle sold. Or rather it was a company trying to "collect for" GMAC on that loan. It is a stupid mistake.
@GardenGerty (95522)
• Marion, Kansas
27 Nov 16
Ignore them. It has probably been sold to a collection agency and they are speculating that they can scare you into giving them more.
@GardenGerty (95522)
• Marion, Kansas
27 Nov 16
My sister has some of the same issues. It seems also that they sell the account at the end of seven years and it starts over again.You have probably paid them back many hundreds of times but it does not show. They track you by your social security number.
@PatZAnthony (12237)
• Charlotte, North Carolina
24 Nov 16
Not sure how things work where you live, but I do know who to ask. Here there is a law library connected to the court house. There are employees who can't answer law questions, but they can direct you to where you will find answers (isn't there a statute of limitations?) and you will have you will no doubt find you have more rights than you imagine.