HELP DESPERATELY NEEDED
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Posted by Lucy (63.10.144.200) on June 19, 2002 at 03:58:31:
I live in California. Today I got a call at work (as did my manager and the business owner) from a collection agency giving their business name variously amongst us as Kenco or Kemco; as Canco & Assoc.; and as Capital Acquisitions. A man giving his name as Mr Walker, Operations Manager, informed me that they would be filing suit in Atlanta, GA on behalf of Citibank for a debt dating back to 1991 that had racked up to $6626. (No question I defaulted on what I owed Citibank in 1991. I lost my job, my residence, and wasn't employed again until 1993, long story, not more than passing relevant.) Also that I had rejected a settlement offer arranged by a Mr. Mario Bianci through "Capital One". I see an inquiry from CAP 1 FSB on my credit report in May, but no phone number. The address also differs from my creditor, Capital One, though both organizations are in the same town. But it strikes me as very odd that CAPITAL ONE would not include a phone number for a credit inquiry. The full address is a street number with a mail station, so as soon as I saw that I had a feeling I really screwed myself. No one would give me a street address for the company after I was transferred to Mr. Bianci who said that if I would send postdated checks covering the settlement agreement all would be swell. Has anyone ever heard of Kencom or KEMCON OR Capital Acquisitions or CAP 1 FSB? I am hampered because at the moment I only have access to my TransUnion credit report, so if CitiBank or a collection agency is listed on any of the other 2 I have no way of knowing. IF as I suspect, calling and annoying my boss and my manager and telling me I'll lose the lawsuit in Georgia and my wages will be garnished and I'll probably be fired (WISH we recorded all our transactions), agreements under consideration that changed with each party I was transferred to, etc., indicate questionable ethics, am I still bound by a verbal agreement to pay the settlement? By the end of the chat, I got a bad feeling that if I do as instructed and send these post-dated checks, they will take that money as their up-front fee to CitiBank and proof that I "agreed" I owe the $6626. Or would this be considered "duress"? If I had had access to this site before lunch yesterday, well, it would have been a whole different conversation. But I didn't. And I will be hearing from them again in about 8 hours. Any advice would be sincerely appreciated, including the name of legal counsel in L.A. area who might be willing to do a conference call.
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