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Collections Law/Unable to get GCS to give me anything in writing

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Expert: Michael Brotherton - 12/4/2008


Question
A ticket issued by Los Angeles Superior Court was issued to me and I was unable to pay $1100.00 so it was sent to GCS collection agency.  I have been unable to negotiate a lower payment (was told that was not possible) and I can't get them to send me anything in writing a breakdown of the debt.  I would like something (anything) on their letter head with the dollar amount owed and would like to see if there is any way to get the debt reduced but am having no luck.  If I don't pay this debt, I cannot get my drivers license back as there is now a hold on it.  Is there anything I can do?  Please help me.

Answer
Contact the courts and ask them for something in writing. They are obliged to provide that information. Or you can have an attorney write the letter for you to the collection agency and demand that information. Or you can contact the dept. of motor vehicles and see how much the lien on your license is for and go by that figure.

The collection agency is not allowed to charge any arbitrary fees. You may check the courts to see what the terms of default are for these types of obligations. That would include any applicable interest or collection fees.

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Michael Brotherton

Expertise

Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).

Experience

Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.

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