OMG!

[WhiteDevil]

To be 100% honest, you dont have to pay any collection agency, your account is with the bank, and if they sell that account they must notify you in writing of the sale of it and if you consent. No one ever see's these and dont know the real legalities behind them.

I am currently in court sueing my bank, a few credit card companies and gmac for fraud.

So far I am in favor of winning, they dont even know their own small print.

[SlowM90]

To be 100% honest, you dont have to pay any collection agency, your account is with the bank, and if they sell that account they must notify you in writing of the sale of it and if you consent. No one ever see's these and dont know the real legalities behind them.

I am currently in court sueing my bank, a few credit card companies and gmac for fraud.

So far I am in favor of winning, they dont even know their own small print.

Yes....I know that stuff! LOL I worked in loans/collection for 4 years! Thats why I was just stunned that I had not got anything and did think it was a scam! But more worried they had ALL my info! Alot of people don't relize the stuff they can do to get out of paying crap! LOL!