Posts by Peter Martin45

You should definitely talk to a lawyer about this. It’s the best move. Come to think of it, if you already paid an early termination fee to break your contract, they shouldn't be coming after you for equipment payments—you probably have the paperwork to prove the agreement was terminated. As for the notary issue, I’m actually dealing with a dispute with Optima over in Cleveland right now, and my notary sent over a collection proposal from there. I'm not sure if it has to come from your specific city, since I don't even live here. Honestly, that part isn't usually their problem; just find a solid attorney and go from there.

Sandra Fisher60 said:Dear Peter Martin45, thank you so much for the response. 🙂

However, I did pay all my monthly bills for calls, texts, and everything else. But since I terminated my contract early, I ended up having to pay for two phones and a USB drive that I picked up when I switched to a plan. I had no idea about this because the representatives at AT&T told me twice that I was completely finished with them and that my balance was zero—I called them twice specifically to confirm that.

The point is, I had absolutely no clue I owed them anything. AT&T never sent me a bill, nor did those predatory sharks, Tony and Boric, notify me about any debt or the initiation of legal collection proceedings. On top of that, the notary is out in Cleveland instead of my hometown, so there was no way for me to be notified. For two years, they've been charging interest against me while I remained completely in the dark, especially since I haven't even used the account. I'm seriously worried that their procedures don't actually align with federal law...😢

Look, they were supposed to notify you about the debt, and failing to do that is their mistake. It's the same for lawyers or a notary; they have to send a notice before freezing an account. That's why I think you should just hire a lawyer and sue them. It took them way too long to pile on the interest. Five years? If I remember correctly—and someone might correct me—that should have gone past the statute of limitations, so I don't get why they froze your account. Regardless, get a lawyer and fight it. You shouldn't have to pay for their negligence and rudeness.

If you paid everything on time and canceled the contract properly, I don't get why they froze your account. Usually, you'd receive a proposed settlement notice first—which, based on what you wrote, you haven't seen. If you don't contest it, they move toward a freeze, but in your case, it sounds like you weren't even notified or asked to sign anything. Your best bet right now is to call a law firm and a notary to figure out your next steps. Gather all your paperwork and find an attorney; honestly, plenty of lawyers would take this case. You should sue AT&T. I mean, seriously, if the bills were paid, they have no right to lock up your money.

Here’s a story from San Francisco...

At 3 AM, they arrived within five minutes because the apartment is so close—kudos for the speed. But the doctor was mostly angry, rude, and just plain unpleasant (probably because she was woken up). She kept asking stupid questions while the patient was actually bleeding instead of helping; honestly, it's a miracle the patient survived. So much for the ER...

Emily Morgan79 said:And, just so you know, any outstanding overdraft will just be chipped away at by your subsidy payments until the balance is cleared.

Thanks for the input...🙂

Andrew Castillo64 said:So this is how they sent it to me---

N o t i c e r e g a r d i n g t h e e x p i r a t i o n o f y o u r S&P 500 p a c k a g e
To whom it may concern,
We are reaching out to let you know that your S&P 500 package, which was granted based on
your account number: xxxxxxxxx, is set to expire on February 28, 2013.
Once the S&P 500 package expires on your accounts and services, Bank of America will begin charging standard interest rates and fees—though we'll apply any discounts applicable to our regular clients.
If you happen to be using an authorized overdraft, please make sure to settle that balance by the date your overdraft limit expires.
For anything else, just head down to your local Bank of America branch.
Sincerely, Bank of America

Yeah, that’s how they sent me the notice...

I got the exact same thing. I have no idea why, since I'm still a student, even though I turn 27 in April. I'm a full-time student, so what are they expecting me to pay back by April 30th? $333 It's like asking for money from thin air. Plus, my student housing subsidy goes into that account, so nothing makes sense. If anyone has an idea or is dealing with the same thing, let me know...🙂

It’s not exactly pain, more like this feeling that someone is pulling everything out of me, and I'm terrified the agony will eventually kill me... Anyway, I’ve tried various meds and only Neofen really touches it, but lately I’ve been drinking angelica tea and it honestly helps. It tastes pretty nasty, but I'll take that over pills any day...