I am currently receiving calls daily from National Credit Acceptance. A person by the name of Phillip is calling me daily and is asking me for full payment of a Circuit City account in the amount of $2,600 dollars and says that the account is building up interest of 23%!! He won't try to work out a payment plan and left me a voicemail today threatening to garnish my wages. Can they do this?
I have asked for a copy of the original contract and he will not send it to me. They have pulled my credit report and have commented that I must have money in the bank because I just bought a house, the nerve of these people!!! Phillip has also commented to me that I must have made money on the house deal and that I should be able to pay this debt. This guy is nuts!
I don't have a problem paying my debts, but the main problem here is that they are telling me that the account I have with them is still accruing interest. So every time they call me the amount I supposedly owe in increasing! Can anyone give me some advice on that point?
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