The Scrub was trying to churn out a real turd of a blog post when he received a couple of really interesting email questions from readers. Thus, consider this a reprieve.
(How long does the reprieve last? That depends on you. The Scrub encourages you to write in and Ask The Scrub via the link at the top of this page, otherwise, you get forced posts and, by extension, turd posts). The first interesting emailed question involved multiple debts held by a single collection agency.
But Scrub! That isn't odd! You should see the stack of unpaid medical bills I have! I think it is like 18 medical bills!Yes, but that is from the same illness and, most likely, from the same hospital billing you 18 different times for the same bottle of aspirin. How about looking at your credit report and finding 6 different accounts, with one being a delinquent credit card bill, one being a private student loan late payment, one being an unpaid water bill, etc.?
Well, that is odd. Yes, most definitely.
If you find yourself in that situation, you need to understand that negotiating with them over one account will likely result in you being forced to negotiate all of them. Thus, if you find yourself tempted to contact them over the $0.79 charge off over that bottle of soda you bought in 1996 from Safeway, you might end up getting hounded over the $12,678.55 in credit card debt you just had charged off last week.
As The Scrub advised one loyal reader, suing you over one account is not much harder than suing you over the other five you have with them.
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