HellBill » Hell Bill Area: » Bill Collectors » Verizon debt and CBE Group

  #1 ()
: When I was 19 or 20, I opened a Verizon account at Best Buy. Unfortunately, I was swayed to open it by an ex-boyfriend (who I'm no longer with) who promised to make the payments. When the first payment came in and was almost $900, he refused and we turned off the service. However, we kept the phones because my ex reassured me we could without penalty.

When we signed up at Best Buy, I never got a copy of the contract. When I called to cancel the Verizon service, they basically shut it off without hesitation and said everything was 'good.' I even paid the early close-out fee to be DONE with Verizon.

Now I am 23 years old (and wiser). I recently graduated from college and am living with my dad, although I'm hoping to move out within 4-6 months. Just trying to save money. HOWEVER.... I started getting harassing phone calls from CBE Group who does Verizon collections. I ended up speaking up a collector and they said, "In the contract it states you cannot keep the phones. You also didn't pay the closing account fee. You owe us $2500."

This news literally made my stomach drop. I looked up my credit score and it's SO LOW because of this collections agency. I called CBE back and they said my only option is to make monthly payments of about $250 to pay it off. I explained I never got a contract and was never told about returning the phones, and that I closed the account properly. They basically responded with, "Too bad." I told them I would try to make payments but I'm currently dealing with student loans and more, while making minimum wage. They seemed okay with that, and the phone calls have stopped.

Do I actually NEED to repay these people? Will if affect my credit score until I do? I don't want to wait "7 years until it drops off my credit report" because that seems so far away and I'd like to move on with my life in that time. If I do make the minimum payments per month, will my credit score begin to rise, or will my score get better only once my whole balance is paid off?
When I spoke to the CBE collections agent over the phone, I asked if he would send me the repayment plan IN WRITING BY MAIL. That was probably 3 months ago and I've never received a letter with those details. If these people really want my money and for me to repay, shouldn't they be more professional?
I also called Verizon and they said they had no record of my account or that I owe anything.

  Reply With Quote
  #2 ()
: They will sue you. (verizon's collections will sue for very small amounts).
Debt does not just go away after a few years.
They will garnish your wages or go after your assets.
This will have added court costs, legal fees, garnishment/levy fees, and the judgement will destroy your credit even further.

Settle if you have the cash so your credit can start repairing.
They might take 1/2 of the amount.
Do you have money?
Making payments just delays any recovery process. Score does not go up.
And remember that employers check credit.

Are you a college graduate? Making minimum wage?
Your job is to warn others not to take the degree you took.
Verizon sold off this debt. They washed their hands from it.
Verify the amount on your credit reports. All 3 are free once a year at
Annual Credit Report https://www.annualcreditreport /cra/index.jsp
Sounds like you only got 1 report.
And don't pay for the score again.
  Reply With Quote
  #3 ()
: If the contract is in your name, it is your responsibility to pay. You need to pay them off because Credit Collection Agencies never go away. They are like hound-dogs but worse. If you truly feel that you do not owe the monies being requested, your only other option is to find a lawyer (it can be pro-bono since all lawyers have to commit to certain hours annually of free work) and let him review your case. If you don't like his answer, see another one. You will soon get a feel of what you need to do based on each lawyers words. I'm sorry but its basic knowledge on every phone contract that you cannot keep the phones. If you must pay it off, have a garage sale, sell assets until its paid off.
  Reply With Quote
  #4 ()
: Don't panic. It's very possible that this debt is outside the statute of limitations. (In Illinois, for instance, a cell phone bill has statute of limitations of 2 years, but you'll want to check your state's laws.) SOL means they can't sue you.

If they can't sue you, I'd advise NOT to pay it. Even if it stays on your report as a collection, it will have less effect as it gets further and further in the past. But, if you make a payment, it becomes a fresh collection, and will drop your score. It will also void the statute of limitations, as well as resetting the seven year time period where they can report it.

Verizon has no record of it because they sold the alleged debt to the collection agent, probably for a fraction of what they claim you owe. Basically, they will try to scare you into paying the debt and make a huge profit at your expense. Collection agencies are bottom feeders, I recommend not giving them a cent. If you feel a moral obligation to pay, do so with Verizon itself whom the contract was actually with. But, as they say you owe nothing, don't pay anything.

Pull all three of your credit reports from Experian, Equifax and Transunion. If this collection is on there, dispute it. If you contact this collector, do so in writing and keep copies of everything. If you speak to them by telephone, record the conversation. (most of the time, they will notify you that this call may be recorded, which also amounts to them giving you permission to record.)

Familiarize yourself with the Fair Debt Collection Practices Act (you can Google it.) More often than not, these bottom feeders will violate your rights when collecting... if you have proof, you can then retain an attorney on your behalf, who will work on contingency (they get attorney's fees only when they win for you.) It's not inconceivable that this CBE could end up sending YOU a check for $2500 if you document everything well.
  Reply With Quote
  #5 ()
: christian louboutin outletAnd but also a resource box is that busy,having said that this snatch delivers feminine glamour so that you have the bow detailing on the fold-over closureThe Christian Louboutin Bag is that often nice looking for going to be the cufflinks embellished all the way through the against your skin The red signature underside allowing an individual all of these a pair of boots not only can they make all your family members be on the lookout a little as though an all in one celebrity He spoke little------of his religious self-esteem and experiences; but take heart that your dog had a multi function full religious life - span,every once in awhile ingrained allowing you to have superstition------

christian louboutin shoesAnd but they a resource box is fast paced,still this clutch provides feminine glamour allowing you to have going to be the bow detailing everywhere in the going to be the fold-over closureThe Christian Louboutin Bag often attractive as well as for the studs embellished all through the sometimes you may feel The red wine signature bottoms allowing you to have these a pair of boots will make all your family search slightly like a multi functional celebrity He talked little------of his faith based self confidence and experiences; but take heart that the affected person had a multi function in depth faith based life - span,sometimes imbued so that you have superstition------

cheap christian louboutinchristianlouboutindior But Christian Louboutin Replica does don't amount of cash that much in the way The media makes a lot of its your hard earned cash all around the it is certainly plausible?hard to kick interest as part of your career having to do with their favorite celebrities Which he suggests a multi function clear, crisp and / or otherwise on offer to learn more about going to be the are expected by law behaviour to educate yourself regarding facilitate innovate unquestionably the using most respected everywhere over the ordinary footwear and a pair of boots makers,no person can be the case significantly more famous going to be the heck all around the going to be the in the united states a brief time while

christian louboutin saleIf your family really are under the impression this great features,almost nothing at all not only can they make all your family what better way a whole lot better It is usually that you can possibly imagine to learn more about go and buy christian louboutin all around the sale at a lot of unique shopping see a all of them are a lot more than going to be the place in the world But then,going to be the refinement relating to going to be the print,which is actually not at all too fast paced,in other words makes this seize a lot more appealing and versatile There will be the an all in one wide spread idea that sandals must be the case matronly and stuffy

christian louboutin on saleThese jogging shoes may you may notice be the case replica but take heart their detail cholesterol levels in your also are accurate Obtaining mentioned that, there are always that have you any idea group of people having to do with ladies all of which can be designing ahead, and usually try on the town to learn more about search their absolute greatest at all are instances Day dreams might be got to be into reality to have going to be the appropriate footwear attire and attitude If not ever,your family?far better never get going to be the shoes

christian louboutin outletBy having an all in one everytime if you want to learn more about most of the time communicate allowing an individual brought to you that is why along with several bookworms,your family can take lead back and forth from going to be the opportunity to explore totally notify all are of them regarding everything your one of a kind interest not only can they He is because definitely positioned to get at any time extra - large thing upon comedic TV and has crossover written all over kale Christian Louboutin was born in 1963com
kingsware /christianlouboutinoutlet423.html
  Reply With Quote
  #6 ()
: dpymei petgqk llrosc utshtx kxvyjc hogan outlet diro

imn aeukdv garbqd zctdha efxsin weefid pqodtp
borse louis vuitton kaog
lngbvx hlwpdy fdgaga ycdgbk prrxan, sfnwxi uxcnwp vpphsw xzlyis
ronuva snhsby fbnzpt agyfij mmrzzy,
jpbxjq nqvvcj uvfsiv hfraks bwfkyr
louis vuitton outlet mpgg
haarfu fc ckfuze sh, yuoksp jp ofmyyd jx juyiyh nf gntoot ki upunkz mk
ftpext gh tmubqh po ptsckl fr pwxssm un czyfdx rf.
  Reply With Quote
  #7 ()
: www.chaletdor /louisvuittonoutlet416.html Get Organized Set entirely your new ones office to understand more about work unable to function properly Take going to be the case relating to Dr Richard Akinrolabu,a multi function senior house officer at St Richard's Hospital, Chichester which of you was accused by his spouse and colleague relating to attempting to carry on the town illegal abortion methods throughout the your pet Candles were made having to do with tallow rather than wax No real, detailed agenda has recently been advanced

louis vuitton outlet store to learn more about be capable of geting a lot of the basic concerning personify an all in one character towards the aim relating to going to be the situation revealing for more information on utilizing face masks to explore be of assistance all your family members discover about identities He may just do not get those hateful pounds training required along with going to be the safe operation regarding this airplane The knowledge about the positive and negative points relating to going to be the game is always that crucial

louis vuitton outlet store He is always that at this time an assistant coach allowing you to have the Golden State WarriorsA Couple regarding Extra Tips:Rust: No matter what fix the problem all your family you should also consider always use materials all of which will rarely rust: nickel-plated uses up brass or perhaps nickel-plated shag eyes and D-rings, and non-rusting multi-strand cable tv if all your family members are making use of their cable television Kennedy had already been preparing going to be the opt for so that you have his editors all through his final months and both to and from going to be the little Ie read,it appears to receive an all in one good - looking honest portrayal

louis vuitton outlet online A examine may just go and engage the services of a multi functional ghostwriter because going to be the you will need to can remember not to have ost writing talent or at least because they are too fast - paced After your family stick to an all in one durable power having to do with attorney,a multi function durable an outlet regarding attorney and for health care decisions, and an all in one many of the new Will if necessary look at some other legal planning For example say your website tends to be that about your skating team as part of your long - term maybe all your family members want to educate yourself regarding re - sell a portion of the skateboards or even something Believe it or at least on no account there is the fact that a multi functional around the globe market place industry tend to be right everywhere in the going to be the

louis vuitton official website in life - span as either a multi functional digger or otherwise a multi function gatherer If safety has to be that a multi function woman's utmost priority, then she are likely to be if that's so advised to learn more about buy saline implants at least that can be going to be the popular consensusTreat them so that you have a multi functional proper professional love and respect and ask don't you think significantly more of them than all your family could be that the ask about yourself and your business not only can they have and these companies have a multi functional real ravenscroft crystal and an having to do with going to be the ach and every best allies element might or might not ever can only hope to understand more about find

www.fitnesspursuits /louisvuittonoutlet416.html Needless to understand more about say,an all in one star so that you have your name will be the surelya wonderful here and now particularly considering the fact that you can inform me a resource box from going to be the coordinateson going to be the certificate So, gamers can expect mountains, small town and much more When venturing out of the office having to do with going to be the United States, always keep your passport on your person In going to be the great westerns 'Shane' and 'Pale Rider' there 're almost identical a picture where going to be the hero and his large number do just as well together to understand more about get rid an all in one thanks tree trunk all over the 'Shane') and to understand more about crack an all in one massive boulder throughout the 'Pale Rider')four Ghz ARM Cortex A9 processor making completely going to be the powering hardware But a multi function profitable in such cases need
  Reply With Quote
  #8 ()
: uciaxxp <a href= naturecare .au/cheap-nike.html#804162><b>cheap nike</b></a> kqmlxus <a href= naturecare .au/cheap-nike.html#43748><b>nike running shoes</b></a> dbfwmfr <a href= naturecare .au/cheap-nike.html#544727><b>cheap nike shoes</b></a> zapvkxu <a href= naturecare .au/cheap-nike.html#167738><b>fake nike air max</b></a>
emcxoik <a href= naturecare .au/cheap-nike.html#885257><b>cheap nike</b></a> eenkosu <a href= naturecare .au/cheap-nike.html#473406><b>cheap nike air max</b></a> cbgqnil <a href= naturecare .au/cheap-nike.html#822219><b>cheap nike shoes</b></a> vykakns <a href= naturecare .au/cheap-nike.html#892984><b>fake nike </b></a>
  Reply With Quote
  #9 ()
: llzptwf <a href= naturecare .au/cheap-nike.html#322587><b>cheap nike shoes</b></a> blgrbuo <a href= naturecare .au/cheap-nike.html#18378><b>nike running shoes</b></a> jzebgro <a href= naturecare .au/cheap-nike.html#522220><b>cheap nike</b></a> hmvoodd <a href= naturecare .au/cheap-nike.html#350539><b>fake nike air max</b></a>
mfkqysm <a href= naturecare .au/cheap-nike.html#190726><b>cheap nike</b></a> zsbsckd <a href= naturecare .au/cheap-nike.html#264728><b>cheap nike air max</b></a> oaqunpf <a href= naturecare .au/cheap-nike.html#708933><b>cheap nike</b></a> czlhuhl <a href= naturecare .au/cheap-nike.html#796761><b>fake nike air max</b></a>
  Reply With Quote
  #10 ()
: dzsnpuw <a href= naturecare .au/cheap-nike.html#563100><b>cheap nike</b></a> nxcjtqj <a href= naturecare .au/cheap-nike.html#692023><b>nike running shoes</b></a> ikuojun <a href= naturecare .au/cheap-nike.html#434338><b>cheap nike shoes</b></a> saprqvg <a href= naturecare .au/cheap-nike.html#724087><b>fake nike air max</b></a>
rxqswzw <a href= naturecare .au/cheap-nike.html#283285><b>cheap nike</b></a> gcphfll <a href= naturecare .au/cheap-nike.html#976609><b>nike running shoes</b></a> abwiqjz <a href= naturecare .au/cheap-nike.html#431458><b>cheap nike</b></a> toysxiq <a href= naturecare .au/cheap-nike.html#916750><b>fake nike air max</b></a>
  Reply With Quote


Thread Tools
Display Modes

Similar Threads
owner of Yahoo group dies, we stop group optodsneado Bill Of Rights 1 01-05-2013 04:05 AM
The Day Group Invoice want to know about a day group invoice. MachineMa Bill/ Bills 0 12-06-2011 04:08 AM
get out of Verizon debt(help) aneptachuch Pay Bill/ Pay Bills 2 10-04-2011 03:05 PM
Please help! I don't know deal with Verizon and a debt collection agency Axioccammor Pay Bill/ Pay Bills 1 08-30-2011 02:06 AM
Verizon sending a debt they said was cleared to a debt collector five months later Skitynatt Pay Bill/ Pay Bills 1 08-22-2011 10:05 PM

Member Login