Not Behind on Discover Card. Can Debt Collector Try to Collect?

by Joanne
(Fort Myers, FL)

If Discover Card allows a consumer to enroll in Direct Pay and have already made monthly deductions from the consumer's bank account can a debt collector collect on the unpaid balance if the consumer is not delinquent?

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May 11, 2011
 Not Behind on Discover Card. Can Debt Collector Try to Collect?
by: debtcollectionanswers.com

If your Discover Card payments are being automatically deducted from your bank account each month then you are not delinquent, and so your credit card account should not be in collections. Have you contacted the credit card company to sort out the problem? That should be your first step.

If you are unable to resolve this issue yourself, I recommend that you contact a consumer law attorney in your area who helps people resolve debt collection problems. Sometimes a call or a letter from an attorney can get action when a consumer's efforts have not succeeded.

Once you resolve the problem with Discover, I recommend that you check each of your 3 credit reports (TransUnion, Experian and Equifax) to determine if any of them show that your Discover account was turned over to a debt collector. (You are entitled to one free copy of each report every year.) If any of them do, contact Discover in writing and ask that it remove the collection account information. Follow up with a phone call. Make a copy of your letter for your files and send your letter certified mail with a return receipt requested. (Do not send your letter to the address for making account payments.)

Once Discover agrees to remove the information, check your credit files a month or two later to make sure that the information is gone. If it's not, another letter and call will be in order. If you get no where with Discover, enlist the help of a consumer law attorney.

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