Credit Services of Oregon bought our account from Kroger(Fred Meyer) for a $130.00 returned check last year. They are now attempting to collect $1962.05 for this $130.00 check. Fred Meyer was in total contact with us all the way through the process. Credit Services of Oregon never attempted to serve/reach or contact us prior to going to court for a judegment. I have always wanted to stay in great standing with Kroger. This should have been resolved in a different manner. According to a collection manager at Credit Services of Oregon,they have the legal right to "sub-serve" us. What that means,I am not sure.
I am willing,ofcourse,to pay off the check debt and a few hundred dollars for billing fees but in no way will I hand this collection agency almost $2000.00 on a $130.00 debt. I feel they prey on the struggling.
Business' Initial Response
The dishonored check was ASSIGNED for collection to our company by Fred Meyer/Kroger; Credit Services of Oregon,Inc. for collection. Credit Services did not buy the check; our company is not a debt-buying company. We do not get paid until the check is paid to or company by the consumer. Credit Services pays out-of-pocket for any collection costs incurred in the collection of accounts. If it is necessary to file a lawsuit to effect collection, Credit Services pays all costs: Court filing fees, Service fees, and Attorney fees. If judgment is entered against the defendant(s) the law allows the Plaintiff to collect those costs from the Judgment Debtor(s) consumer/defendant. When our company received no
response and no payment from the consumer, after collection notices were sent and were not returned by the post office, we left a phone message at the consumers residence for a return call. When the check remained unpaid, and we had no contact from the consumer(s) a lawsuit was filed in Multnomah County Circuit court via our attorney. The consumer/complainant was personally served our lawsuit on December 09, 2012. When no answer was filed to the lawsuit and the balance due at that time remained unpaid, a Default Judgment was entered in favor of Credit Services of Oregon, Inc. on Feb 07,2013. I was contacted by the consumer via phone on March 18,2013 after judgment had been awarded to Credit Services by the court. A complete breakdown of all amounts due on the judgment were
explained to the consumer at that time. I offered a payment plan option which was refused by the
consumer, as the consumer was at that time disputing the total balance due. I explained that no discount was available, that the full balance needed to be paid per the default judgment entered. The check was written at Fred Meyer on
March 12,2012. When the check remained unpaid,
Fred Meyer assigned it to our agency on July
18, 2012. When the check continued to remain
unpaid and we received no response to our collection efforts, the lawsuit was filed in
December, 2012. At this time no discount is
available on the judgment. If the consumer wishes to obtain legal advice, she/he must contact their own legal counsel. Credit Services of Oregon is prevented by law to give legal advice. At this time, the full balance of the
judgment remains unpaid. If the consumer wishes to again discuss these issues she *** contact me at either of the below tollfree numbers.
VP, Collection Division Supervisor
Credit Services of Oregon, Inc.
Tollfree # XXX-XXX-XXXX.
My personal company tollfree # XXX-XXX-XXXX