My husbands credit card was put into collections. the CA called and got me and tried to get me to commit to an agreement to settle his debt ( im not on the card). i thought it was the cc comp. i was confused but i said we could not afford the monthly amount they were asking they said " well for now lets just SAY that is it an you'll see what you can do" as i said we need to go over our budget and speak to my husband.. i said well ok but i know we cant do THAT much but ill see what we have. well they took that as an agreement, got me on tape and all saying "yes" so a SET agreement when they said " we'll just say for now and we'll see".. i gave them to my mistake our routing # for our acct as i thoguht it was the cc and they have it already.. i only gave it for the future use we WOULD be making when we decided after speaking to my husband what we can pay.. but they began to go on and take pre-auth debts of the large sum saying it was agreed and set.. we didnt have enough so it was sent back and we stopped and blocked them b/c after telling them we cant afford that they refused so we took out $ out and blocked them.. now they are saying we are bouncing checks over state lines as they will continue to keep taking the $ and they want to "pursue us".. i told them im not the cardholder and you cannot ask me for that info or make an agreement with me you need to contact him she said they can make an agreement with me and will hold us to it. where is my legal rights? now what do we do?
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If it was me I would contact an attorney. Because I do not believe they are suppose to be trying to collect from you if it's your husbands debt only. And as far as recording if they didn't tell you they were recording you then that is against the law. Call and talk to an attorney they will know how to handle it.