Joe, I made sure to tell the guy that I wanted all the paperwork and a release letter. I told him I did not trust them and wanted to make sure that no one called me for more money after I had paid what we agreed to. So yes, I will be getting all the paperwork sorted before giving them the check.

It is the information on this site and the comments from people here that armed me with the knowledge to make sure the paperwork was in place. So thanks to everyone on all the threads I read here.

Did you get the settlement agreement in writing, before handing over your money?

Hi,

I have got my credit card debt problem solved. I negotiated a pay out sum with MJR and have borrowed the money from a friend to whom I can pay it back in payments without interest.

The psychotic bitch from hell who I had the misfortune to speak to is called Violet Valovic. If she is not on medication then she should be. If you get her on the phone demand to speak to someone else. I ended up speaking with someone who was fairly reasonable. In fact I got the impression he was trying to be an ass, but just did not have it in him.

This is the second time I have had a credit card issue. The first time I paid off every penny. I thought I would never get another credit card but it is amazing how easy it is to get another and another. These people want us in debt. I will NEVER get another credit card. NEVER.

The original creditor only shares the balance in your account as long as you owe the money; once paid the orignal creditor wont share the info.

Thank you Richard.

So MJR can know my balance but not the fact that I used my debit card to pay a utility bill or buy a McFlurry this week?

If yes, how long can they access that information?

Say I paid everything they asked for today. Could they still access my balance tomorrow, or ayear from now?

Yes and no, let me explain.

A bill collector can confirm your balance in your bank account and offset the money if its there. But only, for example, if the collector is collecting on Bank of ABC VISA and your bank account is with Bank of ABC. It’s called a right of offset and you can learn more here: A banks right of offset

All the collector can do with the original bank is confirm the balance and offset money and apply it to the debt, but they can’t get details on your spending habits.

The collector didn’t get the ownership details on your property from your bank account. Property ownership is public information, so anyone can find out who is on title and how much the mortgage is for and who holds it.

Lots of online companies offer this service for a small fee and most collection departments (3rd party and original creditor alike) have an account set up for volume searches

MJR have been given my CT Mastercard account to collect. What everyone here has said about them is true. The woman who called me must be psychotic and possibly living in a secure facility where they outsource jobs to. She is rude, confrontational, insulting and just plain nuts. I'll post her name when I can remember it.

My question is, do MJR have access to my bank account? Do they know what is in it and what I spend my money on? They certainly appeared to. This woman began quoting all kinds of details about my home, what I paid for it, how big it is, the name of my ex. etc. She then said, this is your PIN # but what she quoted then was my bank account number.

Can anyone tell me if they can look at what is in it?
Thanks.