Collection agency?
Q. I have not paid one of my credit cards for about a year now. And a collection agency keeps calling me about it. I finally answered and they told me that my debt was around 2,000. I asked them if there was any way they could set up a payment plan that I could afford monthly. But they told me my only option was to pay the 2,000 upfront in court in about a month or so. I do not have that kind of money on me nor do I wish to try and borrow from someone who probably would not lend it to me anyway. If I can't afford to do that, will they sue me and take me to court?
Asked by LOVE - Wed Mar 14 22:24:28 2007 - - 3 Answers - 0 Comments
A. A collection agency is not going to take you to court if you have no money. It is a waste of their time. Their job is to threaten you and tell you bad stuff until you pay. Eventually they will go away. Your credit is shot either way, but you won't have to pay if their is nothing to go after.
Answered by bob shark - Wed Mar 14 22:29:48 2007
Q. I have not paid one of my credit cards for about a year now. And a collection agency keeps calling me about it. I finally answered and they told me that my debt was around 2,000. I asked them if there was any way they could set up a payment plan that I could afford monthly. But they told me my only option was to pay the 2,000 upfront in court in about a month or so. I do not have that kind of money on me nor do I wish to try and borrow from someone who probably would not lend it to me anyway. If I can't afford to do that, will they sue me and take me to court?
Asked by LOVE - Wed Mar 14 22:24:28 2007 - - 3 Answers - 0 Comments
A. A collection agency is not going to take you to court if you have no money. It is a waste of their time. Their job is to threaten you and tell you bad stuff until you pay. Eventually they will go away. Your credit is shot either way, but you won't have to pay if their is nothing to go after.
Answered by bob shark - Wed Mar 14 22:29:48 2007
collection agency?
Q. I have been late with payment for over 120 days with my credit card. My credit card company send my record to collection agency. what is the " statue of limitation" that I can pay off my account?
Asked by Joes - Sat May 19 13:56:08 2007 - - 4 Answers - 0 Comments
A. Statue of limitations very by State. Go to NDRC.com and look up your State. Collection accounts stay on your credit for 7-years from the date of first delinquency. After the Statute of limitations runs out they can continue to try and collect the debt, they just cant sue you over it anymore. Depending on the amount of your debt, you really should consider making some kind of pay plan with the collection company. If they sue you and get a judgment they can attach bank account, garnish wages (if your State allows it) and file liens on any property you may own like vehicles, boats, land and homes.
Answered by SPIFIMAN1 - Sat May 19 14:20:16 2007
Q. I have been late with payment for over 120 days with my credit card. My credit card company send my record to collection agency. what is the " statue of limitation" that I can pay off my account?
Asked by Joes - Sat May 19 13:56:08 2007 - - 4 Answers - 0 Comments
A. Statue of limitations very by State. Go to NDRC.com and look up your State. Collection accounts stay on your credit for 7-years from the date of first delinquency. After the Statute of limitations runs out they can continue to try and collect the debt, they just cant sue you over it anymore. Depending on the amount of your debt, you really should consider making some kind of pay plan with the collection company. If they sue you and get a judgment they can attach bank account, garnish wages (if your State allows it) and file liens on any property you may own like vehicles, boats, land and homes.
Answered by SPIFIMAN1 - Sat May 19 14:20:16 2007
How to get a collection agency I have already paid to get the credit reporting agency to remove negative info?
Q. I have already paid the collection agency for a "delinquent" account, but the negative info (the record of a collection) has not been removed from my report. What is the best (easiest, cheapest, least painful way) to get this removed once and for all from my report? I have already disputed this with the credit reporting agency (transunion) but have received nasty, computer-generated letters from them indicating that I have to show "proof" that this entry never should have been on my record in the first place. HELP!~
Asked by nova6181 - Sat Apr 15 14:18:02 2006 - - 6 Answers - 0 Comments
A. As a financial consultant, I can advice you to write a detail letter to all three credit bureaus and let them know what is going on. You need to pay nothing to them as you have already paid your company who you where already selinquent too. Sit back and relax, your problem can be solved. If you need more information you can contacting me by email.
Answered by Chubbymom - Tue Apr 25 23:00:40 2006
Q. I have already paid the collection agency for a "delinquent" account, but the negative info (the record of a collection) has not been removed from my report. What is the best (easiest, cheapest, least painful way) to get this removed once and for all from my report? I have already disputed this with the credit reporting agency (transunion) but have received nasty, computer-generated letters from them indicating that I have to show "proof" that this entry never should have been on my record in the first place. HELP!~
Asked by nova6181 - Sat Apr 15 14:18:02 2006 - - 6 Answers - 0 Comments
A. As a financial consultant, I can advice you to write a detail letter to all three credit bureaus and let them know what is going on. You need to pay nothing to them as you have already paid your company who you where already selinquent too. Sit back and relax, your problem can be solved. If you need more information you can contacting me by email.
Answered by Chubbymom - Tue Apr 25 23:00:40 2006
What collection agency would you recommend?
Q. I have a 750 accounts receivable and wondering to turn it over to a collection agency. Is it worth it? If so, what collection agency is a good one and are there any hidden fees?Help!
Asked by whatever - Wed Jan 16 16:28:14 2008 - - 2 Answers - 3 Comments
A. hey Ill collect it for you, for 1/3 of what I collect
Answered by Melissa - Wed Jan 16 16:35:50 2008
Q. I have a 750 accounts receivable and wondering to turn it over to a collection agency. Is it worth it? If so, what collection agency is a good one and are there any hidden fees?Help!
Asked by whatever - Wed Jan 16 16:28:14 2008 - - 2 Answers - 3 Comments
A. hey Ill collect it for you, for 1/3 of what I collect
Answered by Melissa - Wed Jan 16 16:35:50 2008
Can a collection agency continue to report on your credit report if the statute of limitations has expired?
Q. For example, in California the Statute of Limitations on collecting debt is 4 years. So after 4 years, can the collection agency continue to post negative entries in your credit report?
Asked by Daymon N - Mon Nov 3 09:28:35 2008 - - 5 Answers - 0 Comments
A. Yes they can. In fact they can report all the way up to 7 years 6 months from the date of your first delinquency with that account. The state statute of limitations merely hampers their ability to sue you in attempts of collecting the debt. I've had good info about it here: Have a nice day.
Answered by George V - Tue Nov 11 01:58:34 2008
Q. For example, in California the Statute of Limitations on collecting debt is 4 years. So after 4 years, can the collection agency continue to post negative entries in your credit report?
Asked by Daymon N - Mon Nov 3 09:28:35 2008 - - 5 Answers - 0 Comments
A. Yes they can. In fact they can report all the way up to 7 years 6 months from the date of your first delinquency with that account. The state statute of limitations merely hampers their ability to sue you in attempts of collecting the debt. I've had good info about it here: Have a nice day.
Answered by George V - Tue Nov 11 01:58:34 2008
Can a collection agency hit your credit report before notifying you in writing?
Q. Can a collection agency hit your credit report before notifying you in writing? This stupid collection agency negatively hit my credit report without even sending me anything! I had to call them and have THEM send the stuff out! Is this right? How can they just hit your credit report without giving you the opportunity to dispute it?
Asked by Brad A - Fri Jul 31 03:49:19 2009 - - 2 Answers - 0 Comments
A. First the account that wrote you off to collections would show on your credit report. A collection agency is hired by a company that has already contacted you and is already on your credit report. The company you owe shows that they sent it to a collection agent. If the collection came out of no where and you were never notified then I'd suggest that you speak to the collection company first. To clear your credit report you will need to contact one (if not all ) of the big 3 agencies and ask it to be removed. It is fruitless to think about incorrect process when you know you were written off to collections. Inaccuracies on your credit report have to be dealt with through the credit bureau.
Answered by TruthB - Fri Jul 31 05:37:40 2009
Q. Can a collection agency hit your credit report before notifying you in writing? This stupid collection agency negatively hit my credit report without even sending me anything! I had to call them and have THEM send the stuff out! Is this right? How can they just hit your credit report without giving you the opportunity to dispute it?
Asked by Brad A - Fri Jul 31 03:49:19 2009 - - 2 Answers - 0 Comments
A. First the account that wrote you off to collections would show on your credit report. A collection agency is hired by a company that has already contacted you and is already on your credit report. The company you owe shows that they sent it to a collection agent. If the collection came out of no where and you were never notified then I'd suggest that you speak to the collection company first. To clear your credit report you will need to contact one (if not all ) of the big 3 agencies and ask it to be removed. It is fruitless to think about incorrect process when you know you were written off to collections. Inaccuracies on your credit report have to be dealt with through the credit bureau.
Answered by TruthB - Fri Jul 31 05:37:40 2009
Can a debt collection agency attempt to collect money they say is still owed to the original owner?
Q. My husband and I purchased a vehicle in 2004. We couldn't afford the paymets, so we returned the vehicle to the bank. They sold the vehicle for less than what was owed. Now three years later, a collection agency is trying to get us to pay what is owed. Our credit report as of 3/2007 shows the original owner reporting that the debt is written/charged off and we have a $0 balance as of 10/2004. Do we still owe this money?
Asked by LG - Fri Apr 20 16:30:37 2007 - - 9 Answers - 0 Comments
A. I guess some of the other posters explained "why" you still owe the debt > When the original creditor sells the repo, they almost always sell it for less than what the debtor owed on the original contract. That would leave a deficiency balance. The debtor is still liable for the deficiency balance. As for the reporting part of your question > With the original creditor showing a $0 balance on the charge off, they are actually reporting correctly. You are lucky they have not placed a deficiency trade line on your reports - so far. A repo voids the original contract. Because of that, while they legally can continue to report the charge off, they cannot legally show a dollar amount on the charge off. They can also legally place another… [cont.]
Answered by echo - Fri Apr 20 18:12:27 2007
Q. My husband and I purchased a vehicle in 2004. We couldn't afford the paymets, so we returned the vehicle to the bank. They sold the vehicle for less than what was owed. Now three years later, a collection agency is trying to get us to pay what is owed. Our credit report as of 3/2007 shows the original owner reporting that the debt is written/charged off and we have a $0 balance as of 10/2004. Do we still owe this money?
Asked by LG - Fri Apr 20 16:30:37 2007 - - 9 Answers - 0 Comments
A. I guess some of the other posters explained "why" you still owe the debt > When the original creditor sells the repo, they almost always sell it for less than what the debtor owed on the original contract. That would leave a deficiency balance. The debtor is still liable for the deficiency balance. As for the reporting part of your question > With the original creditor showing a $0 balance on the charge off, they are actually reporting correctly. You are lucky they have not placed a deficiency trade line on your reports - so far. A repo voids the original contract. Because of that, while they legally can continue to report the charge off, they cannot legally show a dollar amount on the charge off. They can also legally place another… [cont.]
Answered by echo - Fri Apr 20 18:12:27 2007
How long can a collection agency attempt to collect on a debt more than 10 years old?
Q. This past summer, a collection agency contacted me in regards to an account with a department store that was paid off in 1993. They told me I still owe on it. I no longer live in the state where the debt was initiated, so which state's statute of limitations do I use, the state where the debt originated or where I currently live? Telling the agent who calls me that I don't owe it doesn't work. They tell me that their client still wants their money. Could this be a scam?
Asked by stef_leppard - Tue Oct 28 23:38:56 2008 - - 6 Answers - 0 Comments
A. This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports...so they can't place this on your credit file . This is ancient, time barred debt...because of this, the collection agency is powerless over you...other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully win in court if they sued on the debt. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a… [cont.]
Answered by CatDad - Tue Oct 28 23:55:27 2008
Q. This past summer, a collection agency contacted me in regards to an account with a department store that was paid off in 1993. They told me I still owe on it. I no longer live in the state where the debt was initiated, so which state's statute of limitations do I use, the state where the debt originated or where I currently live? Telling the agent who calls me that I don't owe it doesn't work. They tell me that their client still wants their money. Could this be a scam?
Asked by stef_leppard - Tue Oct 28 23:38:56 2008 - - 6 Answers - 0 Comments
A. This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports...so they can't place this on your credit file . This is ancient, time barred debt...because of this, the collection agency is powerless over you...other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully win in court if they sued on the debt. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a… [cont.]
Answered by CatDad - Tue Oct 28 23:55:27 2008
How long does a collection agency bill last on your credit report?
Q. 1. How long does a bill that has been reported to a collection agency stay on your credit reprort? 2. What if you decide to settle by paying less than the original amount? Does it stay longer? I never said who takes it off .. I said how long does that bill stay in my credit report.
Asked by talent4god - Fri Jan 25 19:56:22 2008 - - 2 Answers - 0 Comments
A. Ten years unless they renew the report. they can and some do renew or re-report every 5 years , so the report stays active for another ten years and gets compouded by the extra (repeated) bad reports. Why would a "collection agency" have you listed on a credit report it should be the creditor filling the report . Normaly the report is active for ten years and then it expires.
Answered by Robert F - Fri Jan 25 20:03:52 2008
Q. 1. How long does a bill that has been reported to a collection agency stay on your credit reprort? 2. What if you decide to settle by paying less than the original amount? Does it stay longer? I never said who takes it off .. I said how long does that bill stay in my credit report.
Asked by talent4god - Fri Jan 25 19:56:22 2008 - - 2 Answers - 0 Comments
A. Ten years unless they renew the report. they can and some do renew or re-report every 5 years , so the report stays active for another ten years and gets compouded by the extra (repeated) bad reports. Why would a "collection agency" have you listed on a credit report it should be the creditor filling the report . Normaly the report is active for ten years and then it expires.
Answered by Robert F - Fri Jan 25 20:03:52 2008
Can a collection agency suspend your drivers license even if you are making payments in CA?
Q. My boyfriend just got a notice from a collection agency in TZ (we live in CA) and they said that he owes like $7000 in traffic tickets. This is the first notice we have received, and the dates are from like 10 years ago. The agency stated that even if he were to be making regular payments, they could still suspend his driver's license. Is this true? any help would be appreciated, serious answers only please. sorry-when I typed TZ I meant TX
Asked by cvjade - Mon Sep 17 15:02:42 2007 - - 3 Answers - 0 Comments
A. yes, but he can hire a lawyer to help him fight the old tickets, tell them you want all the copies, www.creditinfocenter.com since they say they are debt collectors make them validate it.
Answered by Ask M - Mon Sep 17 15:10:00 2007
Q. My boyfriend just got a notice from a collection agency in TZ (we live in CA) and they said that he owes like $7000 in traffic tickets. This is the first notice we have received, and the dates are from like 10 years ago. The agency stated that even if he were to be making regular payments, they could still suspend his driver's license. Is this true? any help would be appreciated, serious answers only please. sorry-when I typed TZ I meant TX
Asked by cvjade - Mon Sep 17 15:02:42 2007 - - 3 Answers - 0 Comments
A. yes, but he can hire a lawyer to help him fight the old tickets, tell them you want all the copies, www.creditinfocenter.com since they say they are debt collectors make them validate it.
Answered by Ask M - Mon Sep 17 15:10:00 2007
Is it legal for a collection agency to call a persons neighbors and leave messages?
Q. I received a phone call from a collection agency in N.C. about my neighbor and they wanted me to leave a message for them on their front door. Apparently, their phone has been disconnected (how convenient). It seems they just ran the address and started calling neighbors. Isn't this a an invasion of privacy or some other form of illegal business practice on the part of the collection agency? If so, which agency is it reportable to?
Asked by interloafer - Wed Jun 20 14:59:34 2007 - - 7 Answers - 0 Comments
A. They have a right to contact you if they are looking for the debtor. They can not disclose any information about the debtor or his loan. They can't even say that he owes them money. You can tell them not to call again, but from my standpoint (Collector, and a nice one) these guys skip out from their bills any way they can. Especially now days with cell phones, no one has home phones and it is hard for us to get in touch with them. We were kind enough to lend them the money when they needed it, now they won't pay up. It is theft. When I find someone (a family member, co-worker, friend, neighbor) who is willing to at least pass on a message, or give me a contact number, I want to kiss their feet for helping me. It is so frustrating… [cont.]
Answered by Stephanie J - Wed Jun 20 15:38:01 2007
Q. I received a phone call from a collection agency in N.C. about my neighbor and they wanted me to leave a message for them on their front door. Apparently, their phone has been disconnected (how convenient). It seems they just ran the address and started calling neighbors. Isn't this a an invasion of privacy or some other form of illegal business practice on the part of the collection agency? If so, which agency is it reportable to?
Asked by interloafer - Wed Jun 20 14:59:34 2007 - - 7 Answers - 0 Comments
A. They have a right to contact you if they are looking for the debtor. They can not disclose any information about the debtor or his loan. They can't even say that he owes them money. You can tell them not to call again, but from my standpoint (Collector, and a nice one) these guys skip out from their bills any way they can. Especially now days with cell phones, no one has home phones and it is hard for us to get in touch with them. We were kind enough to lend them the money when they needed it, now they won't pay up. It is theft. When I find someone (a family member, co-worker, friend, neighbor) who is willing to at least pass on a message, or give me a contact number, I want to kiss their feet for helping me. It is so frustrating… [cont.]
Answered by Stephanie J - Wed Jun 20 15:38:01 2007
How long does a collection agency have to legitimately collect a debt?
Q. is there a specific statute of limitations on debt collecting? And if this time limit is up and a collection agency is calling and/or sending letters , how do you go about stopping this and getting it removed from your credit report? I live in Oregon.
Asked by trixxxi - Sun Mar 16 05:37:32 2008 - - 4 Answers - 0 Comments
A. Yes, they have to follow 2 sets of SOL. One is your states SOL which is the time frame they have to take the claim to court, the other is the time frame for reporting to the CRA's If the deb is beyond your state SOL, they can still demand payment, but can take no legal action. You would have to send them a certified letter stating the debt is beyond your states SOL and to cease communications. Oregon's SOL is 6 years on all debts. but the collection agency must report the TRUE date of delinquency (the date the SOL clock starts running) as defined by the FDCPA to whit: As of December 29, 1997 the reporting period runs 7 years (7 years plus 180 days) from the date (month and year) of the last delinquency (known as "last missed… [cont.]
Answered by Sgt Big Red - Sun Mar 16 08:29:56 2008
Q. is there a specific statute of limitations on debt collecting? And if this time limit is up and a collection agency is calling and/or sending letters , how do you go about stopping this and getting it removed from your credit report? I live in Oregon.
Asked by trixxxi - Sun Mar 16 05:37:32 2008 - - 4 Answers - 0 Comments
A. Yes, they have to follow 2 sets of SOL. One is your states SOL which is the time frame they have to take the claim to court, the other is the time frame for reporting to the CRA's If the deb is beyond your state SOL, they can still demand payment, but can take no legal action. You would have to send them a certified letter stating the debt is beyond your states SOL and to cease communications. Oregon's SOL is 6 years on all debts. but the collection agency must report the TRUE date of delinquency (the date the SOL clock starts running) as defined by the FDCPA to whit: As of December 29, 1997 the reporting period runs 7 years (7 years plus 180 days) from the date (month and year) of the last delinquency (known as "last missed… [cont.]
Answered by Sgt Big Red - Sun Mar 16 08:29:56 2008
How long does a collection agency have to respond to a request for more information?
Q. I have been contacted by a collection agency regarding a debt that I believe is beyond the SOL. In a show of good faith, and hoping they will stop any further action, I have requested verification of the account, payment history, etc. How long do they have to respond? I don't want to be sitting on pins and needles forever.
Asked by Barbara T - Fri Sep 19 11:46:19 2008 - - 4 Answers - 0 Comments
A. Under section Sec. 1692g. Validation of debts, there is no set time limit for the creditor to respond to your request. Being as the debt is beyond your states SOL, they will in now doubt forget about it and ignore your request. Most collections agencies purchase "time barred" debts for as little as a penny or less per dollar owed. So they will not want to spend money or time trying to collect this. If they are showing on your credit report, send copies of your letter to all three CRA's via certified mail/return receipt. The CRA's will then have 30 days to validate the debt. If the creditor can not validate the debt. the CRA's as required by the FCRA will remove the item from your report and send you notice of such action, along with a… [cont.]
Answered by Sgt Big Red - Fri Sep 19 12:07:50 2008
Q. I have been contacted by a collection agency regarding a debt that I believe is beyond the SOL. In a show of good faith, and hoping they will stop any further action, I have requested verification of the account, payment history, etc. How long do they have to respond? I don't want to be sitting on pins and needles forever.
Asked by Barbara T - Fri Sep 19 11:46:19 2008 - - 4 Answers - 0 Comments
A. Under section Sec. 1692g. Validation of debts, there is no set time limit for the creditor to respond to your request. Being as the debt is beyond your states SOL, they will in now doubt forget about it and ignore your request. Most collections agencies purchase "time barred" debts for as little as a penny or less per dollar owed. So they will not want to spend money or time trying to collect this. If they are showing on your credit report, send copies of your letter to all three CRA's via certified mail/return receipt. The CRA's will then have 30 days to validate the debt. If the creditor can not validate the debt. the CRA's as required by the FCRA will remove the item from your report and send you notice of such action, along with a… [cont.]
Answered by Sgt Big Red - Fri Sep 19 12:07:50 2008
How can I find out which collection agency holds my account and their address???
Q. I'm trying to figure out what collection agency holds my account. Is there any way to do that? They called me on the phone once, and I got to see first hand how they will treat ppl to get money as fast as possible. I was advised by a consolidater not to talk to them on the phone at all. The consolidater couldn't really do much to lower my payments to the collection agency, so he told me to just mail them what I could in payments until I could get the entire amount to them. Only problem is I never got the name or address of the collection agency and I don't even have the number to them anymore. I want to mail them (so I have paper copies of everything) and ask them to send me something that shows how much I owe and where it all comes from (i [cont.]
Asked by Mrs. B <3 - Sat Oct 6 04:04:28 2007 - - 2 Answers - 0 Comments
A. You can order a credit report and your creditors contact information will be on there. Once you contact them I suggest trying to settle for a lower amount. Keeping good records is very important, however, do NOT mail the company personal checks, try using money orders (that way they do not have your checking account information). Or giving them any of your work information- They can uses these pieces of information to garnish wages, of levy bank accounts if you end up not paying them in full.
Answered by Amy - Sun Oct 7 00:02:20 2007
Q. I'm trying to figure out what collection agency holds my account. Is there any way to do that? They called me on the phone once, and I got to see first hand how they will treat ppl to get money as fast as possible. I was advised by a consolidater not to talk to them on the phone at all. The consolidater couldn't really do much to lower my payments to the collection agency, so he told me to just mail them what I could in payments until I could get the entire amount to them. Only problem is I never got the name or address of the collection agency and I don't even have the number to them anymore. I want to mail them (so I have paper copies of everything) and ask them to send me something that shows how much I owe and where it all comes from (i [cont.]
Asked by Mrs. B <3 - Sat Oct 6 04:04:28 2007 - - 2 Answers - 0 Comments
A. You can order a credit report and your creditors contact information will be on there. Once you contact them I suggest trying to settle for a lower amount. Keeping good records is very important, however, do NOT mail the company personal checks, try using money orders (that way they do not have your checking account information). Or giving them any of your work information- They can uses these pieces of information to garnish wages, of levy bank accounts if you end up not paying them in full.
Answered by Amy - Sun Oct 7 00:02:20 2007
What is the best way to fight a collection agency?
Q. I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is it to dispute a bill if they can do whatever they want. What can I say to the collection agency so that they will remove this bill from the 3 credit bureaus? Don't I have any rights to fight this bill? Would it be possible to take this to a small claims court? Thanks.
Asked by ubetcha1000 - Wed May 10 00:21:06 2006 - - 11 Answers - 0 Comments
A. While Icsowesmemoney is mostly correct, and is a professional collector who knows the law, let me correct a few things. He implies that if you do not respond to a collection agency within 30 day of the innitial contact, you are considered liable for the debt. This is incorrect. The Fair Debt Collection states "The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer." The purpose of the warning is to give the consumer the right to demand the debt be validated. During that time, the collector must cease all collection activities. Failing to respond within 30 days is NOT an admission that you owe the debt, but simply places a bar… [cont.]
Answered by Studly - Wed May 10 14:22:24 2006
Q. I am disputing a bill with a collection agency. Even though I have informed them that the bill is incorrect 3 times, they still have reported me to the 3 credit bureaus as being late. What good is it to dispute a bill if they can do whatever they want. What can I say to the collection agency so that they will remove this bill from the 3 credit bureaus? Don't I have any rights to fight this bill? Would it be possible to take this to a small claims court? Thanks.
Asked by ubetcha1000 - Wed May 10 00:21:06 2006 - - 11 Answers - 0 Comments
A. While Icsowesmemoney is mostly correct, and is a professional collector who knows the law, let me correct a few things. He implies that if you do not respond to a collection agency within 30 day of the innitial contact, you are considered liable for the debt. This is incorrect. The Fair Debt Collection states "The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer." The purpose of the warning is to give the consumer the right to demand the debt be validated. During that time, the collector must cease all collection activities. Failing to respond within 30 days is NOT an admission that you owe the debt, but simply places a bar… [cont.]
Answered by Studly - Wed May 10 14:22:24 2006
How many years does a Collection Agency have to request a proof of residence?
Q. Example: If the Collection Agency is requesting a proof of residence of an address that you lived back in 1999. Is this possible?
Asked by Neo - Tue Jul 15 12:32:44 2008 - - 2 Answers - 0 Comments
A. You have this completely backwards. The collection agency has to prove that YOU owe the debt, you don't have to provide them with anything...unless you just want to do their dirty work for them. If this debt is outside the Statute of Limitations, tell them go pound sand. If they sue you, they can't win unless you just fail to cite the SOL in your answer. If the debt is within the SOL, send this outfit a debt validation letter.
Answered by Jeffrey - Thu Jul 17 14:53:21 2008
Q. Example: If the Collection Agency is requesting a proof of residence of an address that you lived back in 1999. Is this possible?
Asked by Neo - Tue Jul 15 12:32:44 2008 - - 2 Answers - 0 Comments
A. You have this completely backwards. The collection agency has to prove that YOU owe the debt, you don't have to provide them with anything...unless you just want to do their dirty work for them. If this debt is outside the Statute of Limitations, tell them go pound sand. If they sue you, they can't win unless you just fail to cite the SOL in your answer. If the debt is within the SOL, send this outfit a debt validation letter.
Answered by Jeffrey - Thu Jul 17 14:53:21 2008
How do you remove a judgement sold to a collection agency?
Q. I have a civil judgement on my credit report from an apartment complex I used to live in. The account was then sold to a collection agency. I want to work on paying this debt and getting it removed but I'm not sure if I should be working with the apartment complex , the court, or the collection agency. Can someone offer any advice on where to start?
Asked by gabbygirl99 - Thu May 8 13:33:13 2008 - - 1 Answers - 0 Comments
A. Go to the court and get a copy of the judgment, then contact the attorney that sued you. His name address and phone will be on top of the form. Tell him you want to pay (offer to pay half, they MAY just take it and run) If the judgment has been sold, the attorney will advise you, be sure and get that in writing from the attorney. Be sure to get WHO or which collection agency it was sold to. If it s now owned by a collection agency, keep in mind they paid pennies for your judgment, and will settle for probably less than a third of what you owe (if you grind them) Also tell them no deal unless they offer to take less and report as paid in full also make sure they give you a satisfaction of judgment which you can file with the… [cont.]
Answered by pibzz - Thu May 8 13:54:28 2008
Q. I have a civil judgement on my credit report from an apartment complex I used to live in. The account was then sold to a collection agency. I want to work on paying this debt and getting it removed but I'm not sure if I should be working with the apartment complex , the court, or the collection agency. Can someone offer any advice on where to start?
Asked by gabbygirl99 - Thu May 8 13:33:13 2008 - - 1 Answers - 0 Comments
A. Go to the court and get a copy of the judgment, then contact the attorney that sued you. His name address and phone will be on top of the form. Tell him you want to pay (offer to pay half, they MAY just take it and run) If the judgment has been sold, the attorney will advise you, be sure and get that in writing from the attorney. Be sure to get WHO or which collection agency it was sold to. If it s now owned by a collection agency, keep in mind they paid pennies for your judgment, and will settle for probably less than a third of what you owe (if you grind them) Also tell them no deal unless they offer to take less and report as paid in full also make sure they give you a satisfaction of judgment which you can file with the… [cont.]
Answered by pibzz - Thu May 8 13:54:28 2008
Can the creditor or collection agency remove a collection account from my credit report? How to convince?
Q. I graduated and began a new job. I went to India for 6 months. While i was away, I recieved a hospital bill. When I returned, I discovered it had been sent to collections. I called the hospital and paid the bill. I moved across the country (east to west coast). I called the collection agency verify that it had been marked as paid. I now have one collection account on my credit report marked as paid. I have been turned down for certain benefits because of this recent collection account being on my credit report. I tried filing a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes in address, the online/phone methods fail to verify me, so i cannot order my credit report. Now I am… [cont.]
Asked by djz2k - Mon Apr 9 20:09:41 2007 - - 5 Answers - 0 Comments
A. With medical accounts, you have rights under HIPAA. If you had paid the collection agency, your HIPAA rights would have been waived. Since you had paid the medical provider, the medical provider should recall the account from the collection agency and should inform the collection agency to delete everything in their files concerning the account and to remove it from your reports. The medical provider cannot remove the collection agency's trade line themselves, but they can make the collection agency remove it. Contact the medical provider and discuss the issue with them.
Answered by echo - Tue Apr 10 00:20:03 2007
Q. I graduated and began a new job. I went to India for 6 months. While i was away, I recieved a hospital bill. When I returned, I discovered it had been sent to collections. I called the hospital and paid the bill. I moved across the country (east to west coast). I called the collection agency verify that it had been marked as paid. I now have one collection account on my credit report marked as paid. I have been turned down for certain benefits because of this recent collection account being on my credit report. I tried filing a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes in address, the online/phone methods fail to verify me, so i cannot order my credit report. Now I am… [cont.]
Asked by djz2k - Mon Apr 9 20:09:41 2007 - - 5 Answers - 0 Comments
A. With medical accounts, you have rights under HIPAA. If you had paid the collection agency, your HIPAA rights would have been waived. Since you had paid the medical provider, the medical provider should recall the account from the collection agency and should inform the collection agency to delete everything in their files concerning the account and to remove it from your reports. The medical provider cannot remove the collection agency's trade line themselves, but they can make the collection agency remove it. Contact the medical provider and discuss the issue with them.
Answered by echo - Tue Apr 10 00:20:03 2007
How can I combine accounts with the same collection agency for reporting purposes?
Q. My credit report shows 13 accounts with the same collection agency, all stemming from the medical bills at the same clinic. I have paid the total debt (which was applied from one payment), but it looks like I have had 13 different instances of collection on my credit report. Any ideas how to get them combined and reported into one account?
Asked by lookingforanswers - Thu Feb 21 10:21:37 2008 - - 1 Answers - 0 Comments
A. Try disputing the debts to see if they fall off of your report, stating that the balances are paid in full. If you dispute you may get them to fall off since you have paid them (better chance if you paid in full). I don't believe there is a way to combine them in to one account. It really depends on how the agency is reporting the information to the credit bureaus.
Answered by CrackBerry Addict - Thu Feb 21 10:49:48 2008
Q. My credit report shows 13 accounts with the same collection agency, all stemming from the medical bills at the same clinic. I have paid the total debt (which was applied from one payment), but it looks like I have had 13 different instances of collection on my credit report. Any ideas how to get them combined and reported into one account?
Asked by lookingforanswers - Thu Feb 21 10:21:37 2008 - - 1 Answers - 0 Comments
A. Try disputing the debts to see if they fall off of your report, stating that the balances are paid in full. If you dispute you may get them to fall off since you have paid them (better chance if you paid in full). I don't believe there is a way to combine them in to one account. It really depends on how the agency is reporting the information to the credit bureaus.
Answered by CrackBerry Addict - Thu Feb 21 10:49:48 2008
Collection agency is threatening to discontinue payment schedule and demand I get a loan. Can they do this?
Q. Collection Agency is collecting Ontario Student Loan. A representative for another collection agency working with me for my Canada Student Loan says they CANNOT refuse payment by any means and if they insist, to contact Ontario Student Assistance and explain what the CA is doing and then the payment schedule will continue. Is this true?
Asked by luckymothersmate - Thu Jun 28 21:17:24 2007 - - 8 Answers - 0 Comments
A. As long as you are performong due diligence on your part they cannot force you to take a loan. This means that you make reasonable payments in a timely fashion. If they are refusing your payments ask for this refusal in writing. This will be enough for a judge to rule in your favor.
Answered by Craig M - Thu Jun 28 21:22:13 2007
Q. Collection Agency is collecting Ontario Student Loan. A representative for another collection agency working with me for my Canada Student Loan says they CANNOT refuse payment by any means and if they insist, to contact Ontario Student Assistance and explain what the CA is doing and then the payment schedule will continue. Is this true?
Asked by luckymothersmate - Thu Jun 28 21:17:24 2007 - - 8 Answers - 0 Comments
A. As long as you are performong due diligence on your part they cannot force you to take a loan. This means that you make reasonable payments in a timely fashion. If they are refusing your payments ask for this refusal in writing. This will be enough for a judge to rule in your favor.
Answered by Craig M - Thu Jun 28 21:22:13 2007
From Yahoo Answer Search: 'collection agency'
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