for something to be in collections..you have to have a contract to pay and not pay..if you did not enter into a contract with a business..how can you be forced to pay?..the onus is on the business to prove you had a contract to pay ..eg..cellphones bills credit cards etc..even parking somewhere..their signs will usually state something like " by parking here, you agree to terms".koffey wrote: ↑ So question:
Something goes to collections regardless of the source, and while it is up to collections to get the money how ever they may proceed to obtain that money, that account is in collections and may affect your credit score quite substantial no? Where as I'm reading this information as to ignore it.
@mikeymike1
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..with ops towing..he had no contract to tow..the act states the tow operator has to have a signed or even verbal acknowledgement to pay from the driver..they cant even prove op was there or was driving,,they would have zero case in court.
if op acknowledged debt with tow company, then he opens himself up to another can of worms..he can still fight it but now its just a lot harder and HE will have to fight.
..and I understand that it was a police contract..but that only forces one to pay IF they want their car back..if you dont, the act takes affect and the debt for towing and storage is settled by the loss of the impounded vehicle..no more , regardless of the vehicles worth..the police contract is there to remove non drive-able vehicle whether it be an accident or parking..it does not guarantee payment for the service so in operating that contract, there is good and bad (profit on some loss on others) the tow company is trying to turn a loss into a profit using all means necessary...some dont pay (loss) and others cooperate (like op) and they are happy to extract whatever they can.
..and if it went on my credit score..I would submit the proper paper work to transunion and equifax as is your right and fight it, and have it removed (I have done this in the past and it works)....but I definitely not "just pay up"