This is such a long, stressfull story, I'll try to sum it up.
I (actually in my husband's name) owe Providian Visa $3300.00. I don't dispute this amount. I haven't paid it in months. All of this is my fault. I got my husband to call Providian today to pay $1000.00, then to continue with regular monthly plans.
Providian informed my husband that the debt had been sold to a company called Sherman. So, this man from RMA (Tom Valento) has called my house twice. We figured it was about the credit debt.
He told my husband that we had to pay 3 payments of $902.00. That would pay off the debt and also give us a discount. Fair enough. It is my debt, that is not how I would choose to pay it, but at this point I DO owe them this money.
Well, that is where all the easy stuff ends. Mr. Valento then demanded SEVERAL times that we give him our checking account number and routing number. I told him no, that i do not give that information to anyone especially over the phone. I told him that i do not know him or his company.
We explained to him that we could western union the money, send a money order, etc. He said that would be fine, however he HAD TO HAVE my account information. He said if i didn't give him my account information that he would bring the debt back to $3300.00, plus charge us $1675.00 in lawyers fees. And garnish my husbands wages, just for not giving him my account information.
Is this right, can he do this. I don't know what to do, if I give him the info, he could wipe me out. If I don't give him the info, it could cost me thousands more, and they will garnish our wages.
We called Providian again to try to settle the debt with them, they told us that they sold it to Sherman, contact them. Sherman told us that RMA collects their debts for them.
When I found this website, i couldn't believe what I was reading. So many other people have this same complaint.
This does sound like a complete rip-off.
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