Question about collection agencies.

Pay what I owe

Send them $.75 a month.

No way. Not going to pay it. I think this is a very common practice. That SOB played on my fears. There is not a damn thing wrong with me and he knew it.

I thought about paying a very small amount at a time, but it chaps my ass to even think about sending them anything.

Contact your insurance carrier, they may be over billing you.
you may have rights through them or the tests may have a maximum fee under the contract which they are violating.
This is very common. They hope you will just pay up. If the insurance company finds they are violating the contract, they can pull their contact.

You have no contract with any collection agency. If they start hassling you ask them for proof of contract. You won't hear from them again.

[link to www.spiritualeconomicsnow.net]

Change my phone number.

Here's how to make the motherfuckers stop calling you.

[link to credit.about.com]

1. What is the account number in which the funds were held prior to the opening of the account that is the subject matter of this lawsuit?

2. Who is the owner of each account, having signing right?

3. Identify the account that was debited when the disputed account was created.

4.If you deny another account was debited, explain how the funds for the account originated.

5. If you denied no other account was debited, state the total balance of the disputed account at the time the debit was made and list the names of the signers and the date the account was opened along with the opening balance.

6. Please produce all documents and information, related in any way to your implication that a loan was given.

7. Which employee of the bank authorized the transaction?

8. According to the alleged loan agreement, was the purported lender to use their money as adequate consideration to purchase the promissory note from the borrower?

9. Did the alleged lender accept anything of value from the alleged borrower that would be used to fund the account, check or similar instrument?

10. Was the intent of the purported loan that the party that funded the loan be repaid?

11. Were all material facts disclosed?

12. Did the lender follow GENERALLY ACCEPTED PRINCIPLES?

13. Identify names and addresses of any bank auditor or certified public accountant having any relation to the disputed account.

14. Identify all records or ledgers reflecting the transaction for the disputed debt.

More details, follow RICHARD LUKE CORNFORTH.

This site has a lot of info in tune with the above link and template letters you can use:

[link to www.getoutofdebtfree.org]

Brilliant! I never thought of that. Thank you!!

Excellent suggestions and links everyone. Thanks for the help!