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Q:
I have been trying to make restitution on this account but they will not take my money. Any guidance you can offer?

I have a question in regards to a payment which I am trying to make. I have inherited a bill from a divorce which I thought was paid off. Subsequently, I discovered that there is a remaining balance and the account has been sent to an outside agency. I have been trying to make restitution on this account but they will not take my money and I do not know what to do. Is there any guidance which you can offer? -Michael

Michael,

Since the collection agency does not accept your payments, you might wish to explain (in writing) that because they refuse to accept your regular payments, you have no choice but to terminate the relationship. You have the right to ask them not to contact you again unless it is to inform you that they will accept your previous payment amount or that they intend to take other actions as outlined in the Fair Debt Collection Practice Act. If the collection agency decides to take legal action, be prepared to prove your efforts to resolve this issue. Keep detailed records of all correspondence and payments concerning this account. An attorney can better help you to understand your rights and responsibilities.

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