Legal Question in Credit and Debt Law in Maryland

To make a long story short, I don't know if I know the law correctly that is why I am here. I have been having a dispute with TMobile about my bill since Nov 2010. I told them to cancel me and every month I would check my account and they would add another payment. I would call again the following month and told them to cancel me again and they either did not understand me because whenever I would talk to someone I couldn't understand them because their english when speaking was terrible. This went on until january 2011, when I finally got to speak to someone that spoke english. His name was Mike and he told me my phone was still activated and would cancel it as of January4, 2011. I explained to him it was suppose to be cancelled as of the end of October beginning of November. I started sending payments of 5.00 to TMobile because then my bill was 233.00 which should never have happened. I was very angry about this and started sending them 5.00 a month. I was going to make a settlement of 125.00 which they told me in the beginning that I owed before all the other months were added; because they told me I went over my minutes I guess in October/November 2010 which I never did since I had the phone ; which is 5 years. I only used the phone for emergencies and when I was out of town. I contacted the Bureau of collection recovery that handles TMobile and talked to someone named Luke told him I was willing to settle for 100.00 plus the 15.00 make already. Which he refused. He told me the bill was sent to collections because TMobile never received payment of any kind and that was why it was sent to collections. I told him I had proof from TMobile that a 5.00 payment was made which they received on January 7th. He told me this was unacceptable. I thought as long as you are making some kind of an attempt to pay the bill that you can't be sent to collections. Please let me know if I am wrong about this.

Thanks,

April


Asked on 6/01/11, 9:02 am

1 Answer from Attorneys
Cedulie Laumann Arden Law Firm, LLC

Unfortunately any account with a past due balance may be sent to collections (whether or not the consumer / borrower is making payments or otherwise attempting to deal with a balance).

The above is general information, not specific legal advice about your situation, though I do hope it answers your question.

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Answered on 6/01/11, 9:08 am


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