I received a summons regarding a collection acct with Mann Bracken (Target National Bank was the original acct). I spoke with someone at Mann Bracken May 31, 2006 and they said they needed a payment in full within the week or they would take legal action. I tried to scrape the money together, but at the time I was a college student who waited tables. I believe I talked with them 1 more time after this, but I have had no contact for the past few months. Now I have to go to court in January regarding this, and I am unsure what I should do. I have received no type of letter saying they were trying to collect this debt, EVER. I am just confused because I was sure I would receive something. I knew the company collecting, but I don't know who I was suppose to talk to or what my case # was. I called Target NB in March and they said my account was with Mann Bracken now, wouldn't provide me a phone #, and said they would contact me shortly...
I owe approximately $2400 (not including any court fees or attorney's fees)
I assume I need to answer the summons and possibly ask for the Debt to be VALIDATED??
Should I try to negotiate (I'm not sure how successful I would be) this debt? I am able to pay anywhere from $1000 to $2000, but what should I ask for? I was never given a Charge off Amount. Only the full amount with interest.
Should I ask that this be deleted from my credit report (as of August 2006, there was not a collection on my credit report... just a charge off from Target NB)??
Also... Am I to pay Mann Bracken or Target NB?? I don't want to get stuck paying twice.
Thanks for any insight you all have. I am so upset over this. I know it was my mistake for letting it get so far behind, but I am truly getting things straightened out and I just want to put this past me as quick and easy as possible.