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yvonnel

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I have two collection agencies after me: Omni Financial and Primary Financial LLC.
With Omni, they have not sent me information with circumstances leading to the total amount that I owe, besides a letter with just the total cost. They have not put anything on my credit report either. I am trying to figure out why they have done either (although I am not complaining with the latter). The one thing they did though was contact my commander.
With Primary Financial, they will not negotiate with me on a payment plan and will not tell me why I owe the total. They just wanted me to send them 10 postdated checks. They are also not on my report. I have tried talking with th representative and the manager, but they were both very rude.
I want to pay off the debts, but there is no written agreement and I cannot seem to negotiate with them. What can I do?
 
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