What can be done if an agreement was made by phone to pay a monthly payment by Western Union and they agreed but then demanded it in post-dated checks even though they have accepted already?

Answer 1

== == * Insist that the collector/creditor stick to the original agreement. A better option refuse to render payment until you have received a written, signed agreement containing the agreed upon terms. It is never a good idea to hand over post-dated checks to anyone, especially a collector. A wise consumer should never give financial information such as bank accounts, amount of earnings, and so forth to someone attempting to collect a debt. * There is a principle that acceptance comes in the same form as the offer. Certain terms were accepted verbally as the terms were verbal. You have your Western Union receipts to prove this verbal agreement and that you performed the agreement accordingly. If an amendment, being to accept cheques only, is presented to you and you agree by forwarding the cheques you will have established this new agreement in your performance of same. Continue to perform the original agreement. If taken to court, which is unlikely once you present these facts, you have your receipts. I also concur with the previous answer given to you. DO NOT exchange personal information not already on file with any creditors - or anyone else for that matter.