Long story short...
My husband owes arrears from when he lost his job last year and was not paying the full amount. FRO claims he owes 30% more than what our calculations show (based on court orders). FRO says my husband must pay the full amount owed ($1100) by this Tuesday or else they will report him to the Credit Bureau.
We cannot risk this threat as we are in the process of getting a mortgage.
We spoke with FRO who said he must pay in the next 2 days, or else. We asked about a voluntary payment schedule but FRO said we must pay the lump sum immediately.
We asked about overpayment, and they said their calculations correct. But if for some weird reason we do prove we owe less than they claim, they will issue a credit... which I strongly doubt.
Any thoughts on what we should do in this situation?
It seems our only option is to pay what they say in order for my husband to not be reported to the credit bureau, then fight tooth and nail (again) to prove that their calculations are wrong (again) because they aren't using the correct court orders for their calculations.
Meanwhile, they keep charging us $25 for each statement of account we request to keep track of their faulty calculations.
Any thoughts?
My husband owes arrears from when he lost his job last year and was not paying the full amount. FRO claims he owes 30% more than what our calculations show (based on court orders). FRO says my husband must pay the full amount owed ($1100) by this Tuesday or else they will report him to the Credit Bureau.
We cannot risk this threat as we are in the process of getting a mortgage.
We spoke with FRO who said he must pay in the next 2 days, or else. We asked about a voluntary payment schedule but FRO said we must pay the lump sum immediately.
We asked about overpayment, and they said their calculations correct. But if for some weird reason we do prove we owe less than they claim, they will issue a credit... which I strongly doubt.
Any thoughts on what we should do in this situation?
It seems our only option is to pay what they say in order for my husband to not be reported to the credit bureau, then fight tooth and nail (again) to prove that their calculations are wrong (again) because they aren't using the correct court orders for their calculations.
Meanwhile, they keep charging us $25 for each statement of account we request to keep track of their faulty calculations.
Any thoughts?
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