a collection agency is threatrening to sue me over 200.00 will they sue over such a small amount? i really cant pay this debt right very soon and i always

i really cant pay this debt right very soon and i always thought they wouldnt sue over such a small amount. but they are threatening to.

Answers:
I usually pity ethnic group that find work with collection agencies. I have a boob from a collection agency telling me that she be a lawyer, she be lying.

Try and pay the company that you get into debt with something...$5 a month influence? Do not pay the collection agency anything. Nothing.

Other Answers:
No, they're in recent times bluffing.

They won't. It will just mess up your credit rack up a little

yes they will !

YES, they will I own seen places sue for $20 and even smaller number. Call them and make arrangments to remuneration them off, even if it's single $20 a month, if they are getting something and they see you are making an effort they should work beside you.

they're bluffing. it's just a gimmick to find ur response. i got 5,6 of those missive and i just throw it away. as you would expect i got impossible credit. all they do is report u to the credit agency and ur credit is on hold or ruined. but sue u? haha, yeah right. don't verbs about it. if u can clear it, pay it. if u can't, adjectives u end up is near bad credit. it's singular $200.00. Source(s):
http://www.geocities.com/toanpham916/

Court and lawyer costs are more than 200.00 for collections.

It's a startle tactic, but you really should pay-up. A collections mark on your credit chalk up is going to cause thousands of dollars worth of backache down the road.

You have to remember that in that are people that would slay you over less than that.

Years ago, when my credit be f-ed up, I was sued over $550 by Sears.

Listen, the smartest item to do in this situation is to settle up what you can, EVEN AS LITTLE AS $5!! In this case they can NEVER sue you because adjectives you have to do is show that you are trying near your $5/month payment and they would throw it out. The companies KNOW this so they won't even sue. But remember your credit rating will suffer and you get to ask yourself, what is more important, your credit rating that may soon prevent you from pursuing a lifelong dream such as home ownership or buisiness ownership, or having that $60/month cable bill and $200/month mean nicotine habit?

I don't come up with they would...even if they do, you still have plenty of time to come up beside the money.

Well, they better follow through. They cannot threaten to sue you unless they intend to do it. It is against the law for them not to follow through. Because the statute says that you cannot articulate to a person that you are taking them or are give or take a few to take them to court unless an handling or motion is already in progress. If it appears that it isnt you could sue them for mental distress and you might win.

The funny sector is $200 is about the cost of file a motion in court. It would not be cost efficient because they might loose and would have to guzzle the filing cost legal representative time, etc. They can sue and include all their fees and if they win that amount could be $1500 if you loose.

SUE is a tactic, BLUFFING is not exactly correct. $200 can desecrate your credit rating as easily or intensively as $20,00o owed and unpaid.

The agency bought your debt probably, if it isn't the orginal org that you owed to, and may in reality sell the debt repeatedly or over the term of the debt, until it's rewarded.

You will be hounded for years no matter the amount and they wil adopt payments you can afford if you feel the responsibility to rate for something you commited to pay for.

Rev. Steven

By the route, and no offense meant,,,I've be there. Each fruitless debt, each uncollected, or not easy to collect debt, adds to the debt interest everyone else have to pay, or is subject to.

They will transport you to the Small Claims Court.

Whether they sue you depends on a couple of things. Mainly, where is the collection agency located? If it's a local agency, after the cost of them going to court is not that great.

Lets do the numbers.....For example, in Michigan they can report a Small Claims for $25. You will end up drinking the court costs and legal fees, IF the find awards them (they don't always do that). For adjectives that trouble, the collection agent only get a percentage of the money (many times 30%). So with adjectives of that time invested, they will receive $65. They probably had to invest several hours of work to acquire this, with adjectives the paper work and court appearances.

If you owned that collection agency, would you approve of your agent spending 8 hours of time getting $65? Of course not! It's far cheaper for them to gross a few dozen threatening phone calls, I don`t know a letter or two. Did you know that it's dishonest for them to say they are going to sue you and don't follow through beside it?

Now, that's a local agency. It's gonna be far worse for an out of state Agency. I'm sure some of the posters here who are collection agents would like to weigh surrounded by on these comments, right guys?

It's far more likely they will not sue you, and be joyous to just mess up your credit rating.

My suggestion, for such a small amount of debt, is this.....

-Quit discussion to the collection agency, and contact the original creditor. Unless that agency purchased your debt outright, you enjoy no legal must to even talk to them. Make an tender to pay a monthly fee of whatever you can afford, for a total of $150. That's what they will be getting from the collection agency anyway if you salaried them.

-IMPORTANT! Whatever you do, make them agree IN WRITING to remove any refusal credit information from your history BEFORE you pay anything. You are trying to protect your credit rating, so why would you reimburse them and still have a fruitless history?

Before you start fighting near these guys, you need to study the canon and learn your consumer rights. Read the links below, they will comfort you a lot. Source(s):
http://www.comresinc.org/Forms/Credit/CLetters.html
http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.htm
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
http://www.cardreport.com/laws/statute-of-limitations.html

http://credit.nearly.com/library/bl/Ltr_Val1.htm?terms=credit+agency+addresses
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