I worked for a temp agency and in April 2012 they claimed that they overpaid me by $250 and would deduct the overpayment from my checking account (I had direct deposit). I never followed up with them to verify that they recovered the money. I continued working with them until December 2012.
In May 2013, I got a call from a collection agency saying that I had an unpaid debt to the temp agency. I asked for verification of the debt and followed up with the temp agency, and they said that the were unable to recover the debt in the 8 months that I continued working with them, and they sent a letter to a former address in March 2013 demanding payment and when I didn't respond (because I never received the letter), they sold the debt to the collection agency.
I don't mind paying the debt but is there anything I can do to keep it off my credit report? The temp agency said that I can't repay them directly because they sold the debt to the collection agency so I fear that if I pay the collection agency it will appear on m credit report.
It seems unfair that the temp agency didn't bother trying to collect the debt in the 8 months that I continued working with them and waited until well after my employment ended before trying to colllect the debt and sent it to a collection agency when I didn't respond to the 48 hour demand letter they emailed to my old address (obviously I didn't bother to keep them updated with my current address after my employment with them had ended)
After speaking with the temp agency again they agreed to accept payment for the debt and said that it would have no affect on my credit.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).