We had purchased a motorcycle two years ago through Polaris who financed through HRS. We had never missed until this past December. The payment was due December 13 and money was tight. January 5th at 8:00am I received a very threatening phone call from Corporate Receivables (Collection Agency) stating that my account was over 22 days past due; HRS had turned our account over to them; and that I was to pay $3500.00 that day and Polaris would be "willing to forgive" the remaining $3500.00 OR ELSE my wages would be attached; my employer would be involved and know that I have a "problem with paying creditors"; and that I could be arrested for non-payment. I was very upset at this harsh request and did no know what to do, considering he had threatened to jail me and attach my wages. I told him that I had just mailed a check in the amount of $1200.00 on January 2, 2004. He told me I needed to contact my bank and put a stop payment on the check, because when Polaris receives the check they are going to hold it and it will not be credited to my account in time. I asked what "in time was if I was already sent to a collection agency?" I then told him that there was no way I could come up with $3500.00 today or anytime this month. He said "So you are refusing to pay then and are agreeing to have your wages attached?" I said that, no, I was not refusing to pay, I could not afford to pay that amount in one lump sum; and no I am not agreeing to anything.

He then told me that I needed to "really think about what you are doing; you are going to have your wages garnished; your employer will be notified; and you are going to be arrested for non-payment of this account; is that something you really want to do?" I said of course not but I can not pay $3500.00 today. He said " I will give you until tomorrow to come up with the money, if you cannot, then we will be forced to attach your wages and have you arrested for non-payment, I will call you tomorrow to see what you want to do" And then hung up.

The next morning (8:00am) he called again. This time I was not stupid enough to answer, and let it go to my machine. I only wish I had saved the harrassing messages I received over the next 14 days. In the mean time, I had called a family member and begged for them to loan me the money to pay Polaris. On January 19th, I called Corporate Receivables to "settle the account". A check in the amount of $3530.00 was electronically debited from my account days later (the $30.00 was for processing fees) At that time I was under the impression that this account was settled and I would never hear from them again.

Boy was I wrong. June 24, 2004 I received a phone call from United Recovery System stating I needed to pay a balance of $4164.42, but that they would take a "settlement" of a whopping $3331.54 if we paid over the next 6 weeks. Sound familiar??? She said we had been turned over to them for non-payment. This is the same account, account number, balance, everything. I explained to her that this account was already "settled" back in January by Corporate Recievables. She proceded to tell me that They are the collector for HRS and not Polaris; the money we paid in January was to POLARIS and has nothing to do with HRS. They to also said they may attach my wages. Although they said I was harrassed by Corporate Receivables because they threatened me with wage garnishment and jailing, are they not doing the same thing? I was under the impression that this account was closed and written off back in January.

So now what do I do??? How can I be turned into the collection agency twice for the same account when the first agency settled? Can someone help me??? Or lead me to who I need to talk to about this. Anything would be of great benefit.