Due to assault Jan and recovery from assault for the remainder of 2002 and compounded by subsequent unemployment due to assault recovery and to the failing telecommunication industires, I was unable to maintain my good credit as I was unable to make payments to the creditors I owed. Furthermore, the unemployment agency had a glitch in their system that prevented my getting unemployment... instead they placed me in collections until a NC state representative investigated and cleared me of the collection debt. Moreover, they weren't going to give me unemployment benefits if I was "unhealthy" to work.
Due to assault recovery and lack of funds in I sent my 4 year old to live with her father for a little over a year until I could regain good mental health and employment.By the time I was cleared of this unemployment agency debt, I couldn't collect any unemployment because I was finally employed in April. They don't give unemployment benefits to people who are employed. If it wasn't for the provisions of my Lord and my dear friends, I wouldn't have had any way to provide for myself during the period of recovery and unemployment.
With a steady income, I retrieved my daughter into my care in and I have systematically repaid each creditor when I had the funds to repay. I work two real jobs... One is the military and the other is civilian... And when selected, I model. I'm far from lazy, and I believe in paying back what is fair and duly owed... Anything less is stealing.
I now have three remaining outstanding debts.in May, I was offered a bonus in the military for my telecom field and during the same time period an offer from AlliedInterstate was received for 50% settlement of my account. After taxes, my bonus was $500 less than the settlement amount. I saw this as God's mercy and grace on my situation... That settlement offer set the dollar amount to $800 over what I originally owed on the account.
I called AlliedInterstate to inform them that I wanted to take the 50% settlement offer but I had to wait for the money which wouldn't be paid for another three weeks at least. The collector told me that I was wasting her time, and she was extremely rude, threatening me with further action, and then hung up on me. Dismayed, I didn't call back since she apparently didn't want to speak with me unless I had money in hand.
Now I have the military bonus money in hand. I called this past Monday to pay the settlement offer of 50% using 100% of the bonus money I received after taxes plus skipping paying my household bills this month and funds I'd use for daycare to make up the difference. I was rudely informed that the settlement offer is now 65%... The 50% offer expired and they will not offer it again. I asked to speak to the manager, and I was placed with the same woman that hung up with me the first time I called.
She threatened me that if I didn't pay 65%, she will contact my commander. My commander already knows the history of my situation, so I told her that was fine. She wanted to know the name of my supervisor and his supervisor and his supervisor. So I gave her their names... They already know my situation, as well. But she never asked for their phone numbers or addresses... So I don't believe she was serious about carrying out the threat. Legal action against AlliedInterstate for disruption of business due to harrassment would soon follow if she did. And getting me fired or demoted in rank and pay seems counterproductive to the end goal of collecting a debt.
This collector insisted I pay the bonus money to her and go on a 6 month payment plan for the remainder. If I could afford the high monthly payment plan she offered, I would never have been in collections. It wasn't reasonable or acceptable on my income, and I would have defaulted... I don't want to give up that bonus money only to default on this debt... And then owing the ballooned account again. Anyhow, she insisted I pay by Western Union and insisted on giving me the address. I said no and good bye.
After reviewing comments online with others' interaction with AlliedInterstate, I'm more hesitant of giving my bonus money to them. They do have my fax number, and they are faxing the 65% offer Tuesday. However, I still cannot pay this 65%... Even with the payment plan.
Why won't they accept the money and settle this account? The bonus money is enough to wipe out the other two smaller remaining debts. But I cannot use this for all three. All towards the two or all towards the one huge one... But not enough for all three. Why can't they work with me on this to resolve this fairly for all of us? Now I feel compelled to use the only funds I have towards the other two debts... Then file bankruptcy.
Any advice out there?
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