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Question
Hello:
My infant attended a daycare center where we encountered a behavioral issue with her head teacher.  They immediately labeled this as a "personality conflict", when in fact, it was behavior that was the issue.  These are two very different things.
I was confronted with an aggressive response to a simple inquiry about my child's care.  As the teacher continued to become increasingly upset, visibly frantic, and verbally aggressive toward me, I told her she was being inappropriate several times, and requested that we leave the room to speak.  I attempted to explain that an inquiry about my child's care does not equate to questioning her credentials.  We talked and as far as I could tell she understood what I had explained.  She apologized for previously coming across as unapproachable.  I apologized for not coming to her sooner with my discomfort, as she explained that was what had her so upset.  (Side note:  second-in-charge to management walked by as we were having our conversation.)  As I packed up my child, the teacher began to read me excerpts from her resume.  Clearly, she did not understand what I had expressed, as she was still trying to convince me of her training and expertise, which was not the issue.  
From that moment, my trust was broken with the teacher.  Any attempt to resolve was moot.  The aggressive behavior happened in front of me, to me, and while she was holding a baby, so what could be happening when I was not around?  I tried to accept her apology and move forward, but I soon realized that my trust was also broken by the facility.  The second-in-charge that walked by never stuck around to see how things turned out.  No one ever called me to follow up.  "Luckily" my child was sick the next day and stayed home with me.  The following day, I brought her back to their care out of necessity, as my fiance and I had to go to work, but I immediately went looking for new daycare.  When I picked her up, this was the first moment I had to speak with management.  I went to the management office and told them how surprised I was that I had not heard from them.  They continued to tell me "personality conflict" seemed to be the issue and that the teacher has a "strong personality."  Behavior was the first issue.  Now, failure to manage employees became an additional issue with the facility.  The day after, baby stayed home with my fiance.  I received a call from the daycare offering her a spot in a different room, same facility, and I declined.  In my mind, you don't get a second chance with an infant.  We secured her spot in a new daycare and went running, not walking, away from this facility.  They want two weeks notice, and tuition, and are threatening collections.  I signed that I understood their policies and procedures, but doesn't that assume we are leaving under favorable terms?  And, it is my signing as understanding, but it is not a contract signed by two parties.  It was their employee that caused my discomfort, and forced a customer out the door.  We paid for every week of care that she attended this daycare for, but cannot make sense of paying for time she is not there, while I'm the one that was inconvenienced.  Further, I find them in breech of contract, as all daycare facilities promise to keep the children enrolled in a safe environment.  This goes without saying.  The behavior I witnessed was not safe, nor was it healthy for a room full of infants to be exposed to.  Would collections even accept this case without a court judgement?  I'm wondering if I might have a chance for a judge to hear my side, and maybe avoid collections.  This is bad business.  I am not a consumer trying to avoid paying debt that I owe.  I just do not think it is lawful to force me to pay for their mistake.  Please advise.  Thank you in advance.

Answer
Carrie,

If you have the contract or agreement that you originally signed with the day care check to see if it specifies leaving under favorable terms, most do not, but check to be sure.  If it does not specify how you leave, you would normally have to do whatever the contract states.  Which could be two weeks notice, tuition or anything else stated.  If you signed this contract as agreeing to these terms, you would be bound by them.  

If you have a problem with the services provided, that would not necessarily get your out of the legality of the contract.  If you have a specific claim against them that you feel should let you out of the contract, you would seek the advice of an attorney and take them to court for that issue, with the result you want being that you are not held to the contract. This is also when you would sue them for breach of contract and your attorney can help you with that as well.

Collections and court judgments are two different and separate things. Placing an account for collections with a legal signed contract is what most businesses do when they are not paid.  They only resort to trying to sue for a judgment when they are legally owed the money and can prove it with a signed contract or agreement and the customer refuses to pay.  Most collection agencies do not take debtors to court for a judgment, that is done by the original creditor.

The only way to avoid collections is to pay the bill.  If you want a judge to hear your side of this story you will have to sue and go to court. That would be the only way to get in front of a judge.  

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Michelle Dunn

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As one of the Top 5 Women in Collections, one of the Top 50 Collection Professionals, and winner of the Business Excellence award, I can answer any questions about debt, debt collection, improving business credit, creating a credit policy, enforcing a credit policy and collecting on past due accounts. I can also answer questions in regards to starting a debt collection agency since I have been a bill collector for over 24 years, started and ran my own collection agency for 8 years, and maintain my 12 year old Credit & Collections Association for members of the credit & debt collection industry. I am also the author of the popular and award winning book "Starting a Collection Agency, how to make money collecting money" now on it's 3rd edition. This book has won a the Writers Digest self published award as well as the New York Book Festival Award. I am a repeat contributor to the Wall Street Journal, and have been featured on NPR, CNN, as well as many other national radio and television programs. I have also been featured in national publications such as the Wall Street Journal, Forbes, Smart Money, MSNBC and much more. I have 17 published books to my name and am an accomplished speaker and consultant. I currently write 9 columns for newspapers, magazines and online portals worldwide.

Experience

I have over 24 years experience in debt collection, I started and ran my own collection agency for 8 years and I am the founder & owner of my Credit & Collections Association that I founded in 1998. www.credit-and-collections.com

Organizations
My Credit & Collections Association, I was also a member of the American Collectors Association and Plymouth Chamber of Commerce for 11 years. I am a member of many writing groups as well as my local Women Inspiring Women chapter. I am a member of Know More Media as an expert for their blog on business credit.

Publications
Business NH Magazine, Smart Money Magazine, MSNBC, CNN, Forbes.com, The Wall Street Journal, Home Business Magazine, Entrepreneur Magazine and website, many books, newspapers and television programs as well.

Education/Credentials
I have written 17 books in my collecting money series and one for Entrepreneur Press called the Ultimate Credit and Collections Handbook. My newest book is being published by John Wiley & Sons in May titled, The Guide to Getting Paid, how to weed out bad paying customers, collect on past due balances and avoid bad debt. This book is also being sold to many colleges as a text book.

Awards and Honors
My book Starting a Collection Agency, how to make money collecting money won an award from Writers Digest and the 2007 New York Book Festival in the "How to" category. I have won 2 awards from Dun & Bradstreet and Governor Jean Shaheen. I was nominated as one of the Top 5 Women in Collections twice as well as having been selected as one of Collection Advisor's Top 50 Collection Professionals by my peers.

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