I recently received a letter from Pioneer Credit Recovery, informing me that my debt of ~$1500 in state taxes has been assigned to them. There are some details that make me unsure how to respond.
A relevant excerpt from the letter:
"Connect Pioneer Credit Recovery Inc. by 6/11/2014. If you are financially unable to pay the full amount of the liability all at once, you may qualify for an installment payment agreement. Contact Pioneer Credit Recovery Inc. to arrange for repayment of your account, or additional steps may be taken to collect this debt."
I intend to pay back this debt as soon as I can. That's not something I can do in the next two weeks, though I could do it over the next two or three months. I don't want to be sued, or have wages garnished.
So why not just call? Because I have vague recollections of being told to do everything in writing in such cases - maybe it's just this old Eugene Mirman bit about being hounded by a debt agency (starts at 29:28
) where he mentions not getting his agreement in writing and getting hammered by it. But sending back a formal letter admitting I can't pay it back just yet, and requesting a different plan? Not only am I not entirely sure how to do that, I'm also not 100% sure I'll be at home to receive the return letter in the next few weeks. (Long story.)
The state is New York, in case that matters. Any private questions or thoughts can be sent to firstname.lastname@example.org. Thank you so much for helping out with something where I feel paralyzing shame and anxiety that leaves me unsure where to turn.