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ORIGINAL: calamitysandra

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ORIGINAL: defiantbadgirl

But if his credit isn't restored after he pays, what is the point in paying? Getting an item marked as a "paid collection" will do no good.

What reason in hell should they have to restore his credit by deleting the entry instead of just marking it paid? Marking the entry as paid reflects the truth after all.

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ORIGINAL: defiantbadgirl

But if his credit isn't restored after he pays, what is the point in paying?

Because he purchased the goods and agreed to their terms of payment.

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ORIGINAL: defiantbadgirl

That agreement was made BEFORE I FOUND OUT THEY SUDDENLY LOST RECORD OF OVER HALF HIS PAYMENTS and BEFORE I FOUND OUT THEY WERE LYING ABOUT THE FAX.

And your records, canceled checks, copies of cashiers checks, reciepts when paid in cash....are where?

Are you saying that if you previously made an agreement with someone and you caught them lying to you that you wouldn't back out?

Not if it had absolutely zero to do with my end of the agreement...which was to pay a specific amount agreed to by a specific date.

What if a sub agrees to belong to a Dom based on his lie of being single and later finds out he's married?

Then the agreement is invalid based on the facts not being consistent with the original agreement.  Did the Dom suddenly become a large washer and dryer?  Or an alien from a distant planet?  If not, then you have the agreed upon item and it was agreed that person or entity you purchased the item from, would be compensated in a specific amount over a specified time frame.

Unless that item is faulty (and still within the time limits of their return policies), you owe the agreed amount in the agreed time frame.

She agreed to it so she's honor bound to continue with it right?

If you agreed to purchase a red 2008 Chevy Malibu, but instead were delivered a 1963 Dodge dump truck, then no, you're not obligated to honor your commitment. 

Did you get a red Chevy Malibu...or a dump truck?

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ORIGINAL: barelynangel

This company isn't refusing to cooperate, all they stated was they have a recording and they HAVE agreed to what you stated will be done.    It may not be a policy to respond to every call and agreement in writing.  You have the ability to do so, if you choose not too, that is not their fault.  Just because you believe they aren't cooperating doesn't mean legally they are not.  They agreed to your terms, instead of trying to find loopholes to get out of a debt and agreement your Man had in the first place, pay the damn thing and deal with his report if they don't follow through. 

Sounds to me this is a case of the pot calling the kettle black.  I suggest you look at the orginal agreement your Man signed and agreed too and then worry about whether its the credit agency refusing to honor the agreement your Man made in the first place.  The credit agency is simply trying to get him to honor the agreement he originally made.  I think its kinda ironic you are worried about trusting them, when they trusted your Man to pay them in the first place - and he didn't it seems.

angel

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ORIGINAL: defiantbadgirl

He does have a record that payments were made every month. He paid by debit card and can get those records from the bank. The problem he has is proving that he immediately upon learning of the debt contacted the cell phone company to set up payment arrangements. They are saying he never contacted  them to set anything up and that's why it was turned over to a collection agency. He did immediately contact them and they are lying and denying it. The point is, all he ever wanted to do was pay what he owes and keep his good credit record and this account was turned over to a collection agency when it shouldn't have been. Why should he pay off a company that did this to him? He didn't deserve to have his credit ruined because he contacted them right away. They owe it to him to take this off his credit or they don't deserve to get their money....ever.

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ORIGINAL: xxblushesxx
Most collection agencies buy these debts for pennies on the dollar.