Me and the wife signed this and that back in Denver, for a company who could get us retail products at a much lower price than what you would normally pay, because they cut out the middle man like Wal-Mart/Bust Buy/Ect who are trying to make a profit.

Anyway, we signed a contract for membership, made these payment arrangements, and I couldn't afford to pay them anymore. Hell, we never used their services.

Now there's a collection/legal department thing going on, where they're threatning to take us to court if we don't pay them $$$$ ammount of dollars. Well, I can't, so we made payment arrangements of $50 for three months, then they'd call back and see how I was doing.

Well, they called back, and $50 ain't cuttin it anymore. They want more, or they're taking me to court and stacking on all sorts of legal fees. I don't know if they're actually sueing me, or what, just that they're not a bank or credit card, and they want their forking money.

What can they do? Take my car? Take my stuff? Can they even do this?

Sounds pretty fishy. Do you know anyone with legal experience that you could talk to?

No, I don't.

Well technically they can, I'm no legal expert, but you signed a contract. I don't know what the terms were, but I would suggest checking out as much as you can. Did you agree to play x amount of dollars per month, as a fee for their "service", for a certain amount of time?

What they could probobly sue you for would be how much you already owe them, or what's owed in terms of your contract. I don't know how much that would amount to, but if it's alot, you might have to get rid of some things

Change your name and move to Guam. That will show those bastards.

I advise being nice, being nice always helps. If you act all "I don't like, need to pay" then they'll just go even worse.

Its an empty threat. YOu can NOT be sued as long as you are making some sort of attempt to pay off your debts. You could pay them 2 bucks a month, and they still couldn't sue you. If you refused to pay however, you'd be up **** creek.

But if I don't pay, they can take me to court and get a judgement from a judge.

If they take you to court, you will likely win. Especially if they had payment arrangements and they reversed them, which is totally bogus. Use the internet to search for what to do if they send you to collections. In WA, all you have to do is write a letter stating that the charges are invalid and they can't put it on your credit report. Sucks, but don't let them push you around - obviously they're screwed up if they made arrangements and then changed their mind. Do a search on google, I bet there are tons of other people having the same problems and they will post what to do about it.

This sounds really suspicious, kind of like MLM but worse. If you have to sign a contract to buy stuff from someone, then steer clear.

what company is this?

Brian is right, let them take this to court, that is assuming they have the balls to actually do it. Don't let them pressure you into paying a settlement, take it to court where you have a chance to fight them. These types of people are adept at throwing their weight around and making threats, but underneath that they probably have nothing on you and they know it. They are counting on you (and others in your situation) to fold so they can make a quick and easy buck off of you.


Also, If they changed their payment plan after you signed, then they might have breached their own contract and then you can sue THEM.

Realllly? Time to go on a shopping spree.

Actually, the last thing you want to do is to rack up a lot of consumer debt simply b/c you can. Consumer debt is BAD DEBT.

What they can do depends on large amount what was in your contract. Did you sign a contract stating that you would take out a 12 month membership or something similar? If so, then they can probably take you to court for the amount you still owe, or if there is a cancellation fee for the contract they can go for that. As it has been said, however, as long as your making SOME sort of payment, then they cannot refer you to a collection agency (which is what you don't want, since that goes on your credit report). Its hard to say what they will do, since not knowing exactly what you signed on for limits what I can tell you.

page == wise in the ways of money.. unwise in the ways of wome- err.. nevermind.
:p


And how much are they charging you? If your credit's in good shape you could get a personal loan to take care of this debt. Brian and Page are right about not letting them push you around, but at the same time, it's a good idea to get this thing off of your record and out of your life as quickly as you can, so use other resources to pay it off if you can. A few things to consider:

Debt consolidation is your friend. Especially if you're having trouble with bills and stuff. It's a heck of a lot better to get into a situation where you're able to make your minimum payments on all debt every month consistantly, even if it means you'll pay more in the long run in interest.

DO NOT, DO NOT, DO NOT under ANY CIRCUMSTANCE float a payday or title loan (especially a payday loan). These organizations are nothing but cons. I don't know if you've dealt with that at all, but since we're talking about financial matters, I thought it would be good to bring up.

Do you own a house? If so consider using the equity in your home as an asset to consolidate your debt.

Do you have cable/satellite tv, satellite radio, gym memberships, cell phones, etc? If so, these are things that can be cancelled/reduced to lower your monthly obligations.

Keep in mind also that credit card companies, etc. will not put late payments on your credit report unless they are more than 30 days late. This gives you a bit of leeway. You will however, likely receive a late fee. Best way to cover this in the case of credit cards is pay at least the bare minimum as close to the due date as you can, then make a second payment when your next check comes in.

Anyway, you can take any of this information if you want. I worked in finances for a while, so I'm pretty good at helping people get themselves out of the holes they've dug for themselves. Good luck.

Whether to get a personal loan or not depends on how much Hell Raiser owes this bull**** company, and at what interest rate. Also to be considered is where he is going to get the personal loan from. A bank probably wouldn't do it, but a credit card company might give him an advance, but with considerable interest. I can't really endorse taking out a loan to pay down debt, b/c all you're doing is just solving one problem in exchange for creating another. You still have the same debt, just under different terms.

Personally, if I was in such a situation I would take the matter up in court and try to get the debt dismissed entirely, In the meantime, I would put together a list of things that I could sell or hock (pawnshops are the desperate debtors best friend) to get some money together if it looks like I will have no choice but to pay. If I (in Hell Raiser's position) lose the case against this company, I would get on the phone with them to try and negotiate a reasonable payment plan. These people may be malicious, but you have nothing to lose by trying to bargain. After all, they simply want their money, they are just acting like d**ks to get it.



You are absolutely correct about payday advance places though--- you will get financially raped the minute you do business with them. They don't need collateral-- your soul is their collatteral since you owe them money at several hundred percent interest. I wouldn't be surprised if it turns out that the mob runs those places, b/c those are mafia loan shark interest rates.

Request a copy of the thing you signed, scan it, and post it here.

Yes, that will help.

Depends on the situation though. If you can take a 10 year loan at 12% and pay it off with a 10 year loan at 6%, then there's no reason not to... Or if you've got $400 a month in credit card payments that you can't afford, and you can put them into a loan with a payment of 150$, then you'd want to consider it too.. Even if you pay more in interest, you're protecting your credit by avoiding late payments, and as you continue to show a good payment history more options will become available to you in teh future to undo some of that extra interest damage anyway.

move to canada.

Is there anything moving to Canada won't solve?

You can be sued for just about anything. Wether or not the judge will throw it out is another matter. You can get fined, or charged, for taking something stupid to court, but you can still do it.

[QUOTE=Hell Raiser]Me and the wife signed this and that back in Denver, for a company who could get us retail products at a much lower price than what you would normally pay, because they cut out the middle man like Wal-Mart/Bust Buy/Ect who are trying to make a profit.[/QUOTE]I smell DirectBuy.

Memberships are like $3500 and they extort you into joining by saying you can "never come back" after your tour/trial thing. Don't get me wrong, it's not a bad deal if you're buying a lot of stuff (we signed up for it because we're buying a new house soon and need lots of stuff) but if you don't have the money just laying around you're forced to sign up for their ridiculous payment plan.

How much does a shotgun cost?

Dislike of snow :p


Almost sounds like this "business" is a con in itself. The membership dues and termination fees is how they buy people's souls. You're not paying less, you're just paying it seperately or after the fact.

And you might not want to move to a country that has an extradition agreement with the United States.