National Enterprise Systems Complaint - Confused - Collection
Okay, I got myself in this situation and its all my fault yeah. but the thing is I don't know what to do. I'm your typical college student that accumulated credit card debt and just blew off payments. now the collection agency NES is calling me for money. Okay.
From what I read on some complaints here (don't know if they're true or false), NES uses a lot of scare tactics like claiming to sue, which they did to me. But also, whenever I call them they say they'll forward me to someone else and put me on hold, then they hang up. It happened about 8 times already. Sometimes its clearly the same person trying to change his/her voice.
Back on topic, this is the second collection agency. The first collection agency was canceled by Citibank in January this year, so I'm assuming they appointed NES as the new collectors. So they just got the case this month and they are already claiming to sue me. Is that possible?
They're asking for $1,915, which I told the guy I can have by the end of February for sure, but they said no and that legal documents were already sent out to me to go to court.
I was expecting to pay the full amount on jan 29, but I used the money to settle my other card in full today since they cut me a deal. so a check is still going to be charged to my account January 29th for $1,915 and every time I call NES to cancel it they just hang up.
Can anyone help me? Advice for a 20 year old?