Question by jianlu724: How to resolve my credit card debt issue? I am in a collection status, how can I deal with that?
An unexpected payment of $ 2,499.06 was posted to my Citi account on May 27th, 2005. The payment posted in error was corrected on the statement of 12/10/2005. . I was unaware of this matter until I was notified by Citi reporting my default on payment. At that time, I was in a debt consolidation program (American Debt Consolidation Inc.) which they consolidate my credit card debt and make automatic payments to my creditors. The debt consolidating program stopped making payment to Citi because they found that my balance was already paid in full since May 2005. That causes extra late fee and over-credit limit fee were billed to my account after my balance was adjusted on 12/10/2005. As of May 2005, my balance was $ 2,023.76 according to the statement of 06/06/2005.During that period, I was trying to contact my creditor to discuss the matter. I have already explained the issue to several representatives of my creditor. Unfortunately, no further progress was made till now.
I was trying to work with my debt consolidation program to resolve this issue. But it seems they are not very being active on this matter. I started to lose interested to working with them since it is very time consuming (they said it takes at least 3 month to send out the proposal and let the creditor to review it before making decisions). So I rather directly negotiated with my creditor instead. But I feel that it is useless to talk to customer reps because they are not authorized to lower my interest rate and elimate my over credit limit fee, pulse it hard to put the manger or related department head on the line. On the collection agency side, they are trying to help me with paying only 80% of the total debt. But I still don’t think it is fair to me because it is my creditor’s fault on the mis-posted payment at the beginning. My debt raises up to around $ 3000 with interest rate of 29% from May 2005 till now. My beginning banlance was around $ 2000.
Best answer:
Answer by dee
Cant the American Debt Consolidation business help you with this since you were enrolled with them at the time and this creditor was on your list?
Plus, the credit card company should of informed the Debt Consolidation people of this mistake. They should of informed you that the debt was paid off since they considered it paid in full and quit paying on the debt on your behalf.
If not call the Consumer Protection Agency in your area, they will help you and will be a third party witness on your behalf. They are like mediators when there are desputes.
Just some suggestions
Good Luck
Dee
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“american debt consolidation”
Amerikan Hero – Thomas Jefferson
Image by Think-N-Evolve
While that is truly a powerful quote, and one that offers inspiration to contemporary "Tea Partiers" and "Libertarian’s", the reality of what Jefferson stood for, is far from the confines of this one quote.
It was also Jefferson’s intent, in dealing with the Indians, to violate by “hostility”, the very oath made before his god. Jefferson thrived on instilling fear and boasting in the arrogance of his European superiority over the perceived inferiority of the Indians.
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American Holocaust: The Conquest of the New World, pg.120
"…Jefferson, for example, who in 1807 instructed his Secretary of War that any Indians who resisted American expansion into their lands must be met with ‘the hatchet.’ ‘And…if ever we are constrained to lift the hatchet against any tribe,’ he wrote, ‘we will never lay it down till that tribe is exterminated, or is driven beyond the Mississippi,’ continuing: ‘in war, they will kill some of us; we shall destroy all of them." These were not offhand remarks, for five years later, in 1812, Jefferson again concluded that white Americans were ‘obliged’ to drive the ‘backward’ Indians ‘with the beasts of the forests into the Stony Mountains’; and one year later still, he added that the American government had no other choice before it than ‘to pursue [the Indians] to extermination, or drive them to new seats beyond our reach.’ Indeed, Jefferson’s writings on Indians are filled with the straightforward assertion that the natives are to be given a simple choice—to be ‘extirpate[d] from the earth’ or to remove themselves out of the Americans’ way. Had these same words been enunciated by a German leader in 1939, and directed at European Jews, they would be engraved in modern memory. Since they were uttered by one of America’s founding fathers, however, the most widely admired of the South’s slaveholding philosophers of freedom, they conveniently have become lost to most historians in their insistent celebration of Jefferson’s wisdom and humanity." [1]
President Thomas Jefferson to William Henry Harrison, Governor of the Indiana Territory, 1803
"You will receive from the Secretary of War…from time to time information and instructions as to our Indian affairs. These communications being for the public records, are restrained always to particular objects and occasions; but this letter being unofficial and private, I may with safety give you a more extensive view of our policy respecting the Indians…To promote this disposition to exchange lands, which they have to spare and we want, for necessaries, which we have to spare and they want, we shall push our trading uses, and be glad to see the good and influential individuals among them run in debt, because we observe that when these debts get beyond what the individuals can pay, they become willing to lop them off by a cession of lands. At our trading houses, too, we mean to sell so low as merely to repay us cost and charges, so as neither to lessen or enlarge our capital. This is what private traders cannot do, for they must gain; they will consequently retire from the competition, and we shall thus get clear of this pest without giving offence or umbrage to the Indians…As to their fear, we presume that our strength and their weakness is now so visible that they must see we have only to shut our hand to crush them, and that all our liberalities to them proceed from motives of pure humanity only. Should any tribe be foolhardy enough to take up the hatchet at any time, the seizing the whole country of that tribe, and driving them across the Mississippi, as the only condition of peace, would be an example to others, and a furtherance of our final consolidation." [2]
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When it comes to the Founders, I concede to their eloquence of pen. But, I do not acknowledge their humanity in works. Thomas Jefferson was a revolutionary. However, "We the People" need an evolutionary mindset. Thomas Jefferson was well equipped at building the case, but failed at evaluating the hypocrisy of that case.
Where do we find perfection though, in an imperfect world? The point here is not to pound the dead horse, but to encourage less Founding Father idolatry. It’s not simply that these men were products of their time; they were guilty of instituting the very policies they aligned at the Kings feet.
As a slave owner, as well as an enemy to the peace of Indigenous people, Jefferson cared only for the equality and liberty of Colonial European posterity. However, an empire cannot promote peace within itself if it also lays a yoke of slavery on a portion of its population and uses the cover of night to subvert peace outside itself. The fact that Jefferson is celebrated as an "Original American", and "Libertarian" of the first order, is indicative of the willfully self-imposed confusion continuing to reign over the American mind.
The founders had the conviction to kill for their freedom, but who among them, had the moral conviction to free the Africans, or cease from hunting Indians? I’m not speaking of words, show me the actions. The days of slumber are ending.
1. books.google.com/books?id=RzFsODcGjfcC&dq=AMERICAN+HO…
2. courses.missouristate.edu/ftmiller/Documents/jeffindianpo…
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