Chosen by Asker

If it was indeed sold, you now owe VCS. The amount likely includes accumulating interest. In any event, when VCS contacts you, demand written proof of debt. If and when established, you can try to negotiate a settlement with them. RJ

by R J

4 months ago

Asker's Rating: 

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by sreejith- 4 months ago

How much you need. I will send a check

by Kaska- 4 months ago

As you discovered, contacting check-n-go will not help you. They literally sold the debt to someone else so they have no interest in your account financially or otherwise. This debt is now essentially the same as if you'd gone to VCS (or united debt holdings) and taken the loan out from them directly, so all your communication needs to be with them. The $738.38 represents your original debt plus fees, penalties, interest, etc. and as such it is now the amount that you owe ... mostly because you defaulted on the original loan you had with check-n-go. You MIGHT be able to talk to VCS or United Debt Holdings and be able to reduce that amount a little bit if you're nice and the debt isn't too old, but don't count on it. You may be on the hook for the full $738. Why you couldn't (or didn't) pay the original $408 doesn't matter ... all that matters is that it wasn't paid. Can they sue you? Absolutely. And IF they sue you, the debt will probably go higher (court costs, etc.) AND they would have the right to go to your employer and take the money directly out of your paycheck. Now ... WILL they sue you? That depends ... most collection agencies want this stuff to be resolved as fast and easy as possible, so they don't want to sue you if they don't have to ... that is a LOT of hassle. The best way to avoid getting sued is to open a line of communication with them (call or write) and work out either a payment plan or a way to pay them back. As long as you are regularly sending them money (even just a few dollars a week) it is unlikely that they will sue. Good Luck.

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by Grace Benson- 4 months ago