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Andriana, Once your account is turned over to collections it may be too late to save the account. Call Macy's and ask. They may be able to help you. If not, you will need to deal with the collection agency.

-- Contributed by: SusanWeber

i have a macy's account which just this month was placed into collections do u think its too late to save the account with macy's. I had lost my job and just recently got a new one and can DEF. get my account in good standings or should i just deal with the collection agency?

-- Contributed by: Adriana

Kevin,

It sounds like you may be the victim of identity theft. The people that are calling may, or may not be from a collection agency. If they call again, tell them that you will do nothing without receiving something from them in writing. You should contact all three credit bureaus and have an alert put on your credit report. This will keep anyone from opening new credit accounts without your knowledge. You should also contact your creditors and tell them what is going on. They will probably suggest that you cancel your current credit accounts and have the accounts reissued with new account numbers.

Thank you for your question.

-- Contributed by: SusanWeber

This is a question,I have been called several times from a collection agency saying i owe money,I have a good job and do not need the help,I have no clue of what this person is telling me,he also has my ss# & a email address.I have had the same email address as i am using know,Which is different from what he has told me.what can i do about this.

-- Contributed by: Kevin Smith

Sarah,

Dealing with a collection agency can be a difficult. Sometimes the collection agency staff are so aggressive that they sound rude. They are not bad people and they don't think you are a bad person. It is just their job. It is important to keep working with them so that you can get the problem solved.

Once Citi turns your account over the collection bureau, Citi might change the account number to reflect that it is in collection status. That could be why the account number on the bill doesn't match the number on your credit card and the number of the account that she is calling you about.

If you can't pay all of the bill that is due, tell the collection agency that you want to pay part of the bill now. Ask to set up a payment plan. Sometimes they are willing to let you pay only a part of what you owe.

Even though you find her difficult to talk to, don't avoid her. The best thing to do is to be polite with her, be honest with how much you are willing to pay and be willing to set up a payment plan and then be sure to make payments as promised.

Thank you for your question and for visiting LoveToKnow Credit Cards.

-- Contributed by: SusanWeber

i got in over my head with debt, i owe 3,000 some to citi, a colector has been calling me, and im still getiing a bill from citi. i told the rude collector that i was still getting a bill from citi and that i would rather pay citi than deal with her, because she was rude. why am i getting a bill from citi if the account has been charged off and is now in colections. the account number i gave her from the bill didnt match hers either. is she being mean and wants me to pay her because she might get commission from me paying this. very confussed, i have tried asking her all these questions but shes so rude i cant get an answer.

-- Contributed by: sarah
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