Q: Is it safe to pay a debt collector in full?
This is the second debt collector I'm dealing with. The first debt collector i was dealing with couldn't provide all of the information i requested in my validation request letter, so they passed it to another debt collector. People keep telling me that paying a debt collector is a very huge mistake and i totally get why, but i honestly don't want to have to keeping sending letters over and over and the current debt collector I'm dealing with has terrible reviews and is known for taking illegal measure to collect a debt and one of them is getting a default judgement by not notifying the debtor of their court date. I honestly just want this to go away and be done because it's starting to stress me out. Getting a lawyer sounds like it's going to be just as expensive or more than what my debt actually is (a little over $1,000). How would i go about paying my debt without worrying if the debt collector is going to go after me for more money?
A: You are right to be wary. Some lawyers will give you a free consultation and review these validation letters and responses to see if you have a potential legal action. If your goal is to pay the debt and not be hounded by additional debt collectors I would advise you to consult with a FDCPA lawyer before making any moves. If you don't want to consult with a lawyer, just be sure everything is in writing, (the understanding that you are paying the debt for a specific amount and the payment finalizes the account and any future collection).
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