New Castle News

All About You ...

December 28, 2012

Dave Ramsey: Helping the correct way

(Continued)

NEW CASTLE — Dear Dave: I have one bill left from an emergency room visit earlier this year, and I’m trying to settle with a collections agency. They’re willing to accept half of the $930 owed, but they want me to pay online or by phone, and I don’t feel safe doing that. What should I do? — Allison

Dear Allison: If they’re willing to lower the bill by half, then you need to get that in writing. If you don’t have it in writing, you don’t have a deal. And whatever you do, don’t give them any form of electronic access to your money. I’ve seen too many collectors lie to people about “agreements,” then go in and raid their accounts. Just tell them to send you, by email or regular letter, a statement saying that $465 will be accepted as payment in full for the debt. Also, tell them you’ll turn around the day you receive this letter and send them a cashier’s check for that amount. Until then, they can go jump in the lake! — Dave

(Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.)

 

Text Only | Photo Reprints
All About You ...
House Ads
Poll

Have you held or will you hold a garage/yard sale this year?

I have and it was a success! It's a great way to get rid of some junk and make a little extra pocket money.
I have, but it didn't go over so well. Better luck next time?
I haven't yet, but I plan to.
I haven't and I don't plan to. It's not for me.
     View Results