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Sep 16, 2013

Please bear with me as I explain a couple of very important things that are on my mind.

We live in a society where the individual makes up the health of the whole. Give a person the opportunity and tools to succeed and they, in turn, will do the same for others.  However, I am getting more and more jaded each passing day when the opportunity and tools just aren't enough.  I do thank goodness for social media and what it can do -- to educate, inform, and show us things we might not have been able to do over a decade ago.  But it can also reveal the underbelly of things we'd rather not know.  People who want to take advantage of others' gullibility and distract, misinform and inveigle to the point where we all become fearful, doubtful, and suspicious of every little thing that comes our way.

For the past four years I have been struggling to keep what I have.  And I took advantage of opportunities that came my way in order to rise above the challenges and obstacles I had to face.  I had to endure the humilitation of a lawsuit against me by a collection agency who I contacted twice before to work with me to resolve my problem.  I find their behavior vile.  And now I have to deal with yet another "threat to sue" letter that I received June 14, 2013 and have until the 22nd to pony up either $1,873 (total), $313 (for six months), or $156 (for 12 months).  All this company wants is MONEY.  Nothing else.

Their letter to me states "Rather than increasing the extent of your obligation by any costs and/or disbursements, we still remain willing to resolve this account before suit is filed."

In a pig's eye.  They never wanted to work with me at all - even after sending them two previous letters (which I still have by the way) and completely ignoring me.  Even a last letter I am sending reminds them of my intentions to work this out under my own solutions - not THEIRS.  If they ignore this, at least I have informed the company I owe these monies to that they either forgive the debt (one company was very kind enough to do this), or force the collection agency to stop any further proceedings against me.

In a last-ditch effort to potentially fix this, I have started a GoFundMe page to help me avoid another costly lawsuit.  With a wage garnishment already against me to pay back $4,000 by this ONE AGENCY alone -- and still not responding to my letters AT ALL -- I need to fight back.  If all this company wants is money:  so be it.  Let's give it to them.  I have had it struggling day-in, day-out, and ask for your help in distributing this link or helping me get at the very least $156 and throw it back at Portfolio Recovery Associates' proverbial faces with a huge "screw you" attached to it.

Update:  A law group caught wind of my situation and yet I'm hesitant to enlist their services since I looked over their letter to me and still have to come up with $750 to fight my lawsuit against PRA.  I "may" give them a call since it would be a free consultation.  It "may" even be possible to file a lawsuit against the debt agency too but I'm skeptical about what would happen. I'm not a litigious guy but I may have no choice in the matter if I cannot raise at least $125 to go through a Mediation & Paralegal service to file for bankruptcy.  But, at the moment, $750 is the GoFundMe goal at this time.

Visibility: Everyone
Posted: Monday September 16, 2013, 12:13 pm
Tags: donation emergency challenge funds lawsuit obstacle gofundme [add/edit tags]

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John Y. (76)
Monday December 23, 2013, 5:08 am
Hi Cameron,
I have read your story but why are they suing you, you said you worked with them, it seems very vague.


Cameron Farmer
male , committed relationship
Red Bluff, CA, USA
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