[Perk]

I have a Sears MasterCard, I was contacted by Citibank saying due to not making payments they need to full amount paid now.. I tried to work something out, but it was full amount or nothing. I sent 200 dollars right away. 2 day's after Citibank called I received another call from a collections co. saying I was now turned over to them, and they were demanding full payment. The 1st caller was horrible, I might add. There were several phone calls after that, that weren't any nicer, I had sent an additional 100 money order off to this collection co. and also ( which after reading a lot, learned I shouldn't do this !) I agreed to do 3 over the phone post dated checks, May June 250.00, and on July the final for 206.00. My total was 806.00. Yesterday in the mail I received a new bill from Sears, which I am not sure why? Plus, it now is more because of a late fee, and interest charges. I am worried about who to pay? If the collections has this, and I do the post dated checks, they are post dated to be taken out on the 19th of every month, which will inturn give me a late payment to Sears? Who is it that I pay? How do I cancel the post dated checks? An deal directly with Sears? And if I do this, does that mean I am going to get the people from Pioneer Credit,( who are not anywhere close to nice) starting to call me back again. I just want to clear this up as fast and as easy as possible, and am really confused as to the right way to do it. I would really appreciate any advise I am able to get on this. Thank You

[ScottGem]

Before you go further you should contact Sears and make sure that they sold the account to Citibank which in turn submitted it to a collection agency. Once you determine the truth about the matter, you then will know who to deal with. While some collections people overstep the bounds, most are pretty reasonable. I used to work in collections and, clients that did not try to duck out, admitted their debt and tried to work out a way to pay it were usually given consideration.

[Perk]

Thank You for your help, I appreciate it. I am just worried about the interest and the late fee's adding up.