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 collection agency fees be passed onto the customer?
Q. Our contracts state that clients will be responsible for any fees we incur to collect their late payments. If we were to hire a collection agency, would the collection agency be able to charge the client directly? Or would we have to pay the collection agency, and then invoice the client for those fees, thus starting the cycle all over again? And a good question is--we're legally allowed to pass those fees onto the client, correct? We do assess late fees. Those are separate than the collection agency fees.
Asked by abbya11111 - Sun Jul 13 01:02:07 2008 - - 2 Answers - 2 Comments
A. Yes, you can. I have a small business, I use a collection agency in NY that's very successful at recoverying funds when my clients don't want to pay me. As long as it's right in your contract with your client that they will be responsible for any collection fees, the collection agency can include that. If you have any questions, instead of giving my e-mail address and getting spammed, check me from our website, www.jellybeanservices.com and e-mail me from there if you'd like to know who my collection agency is. They're good! :-)
Answered by blueabe162 - Sun Jul 13 01:07:50 2008
Q. Our contracts state that clients will be responsible for any fees we incur to collect their late payments. If we were to hire a collection agency, would the collection agency be able to charge the client directly? Or would we have to pay the collection agency, and then invoice the client for those fees, thus starting the cycle all over again? And a good question is--we're legally allowed to pass those fees onto the client, correct? We do assess late fees. Those are separate than the collection agency fees.
Asked by abbya11111 - Sun Jul 13 01:02:07 2008 - - 2 Answers - 2 Comments
A. Yes, you can. I have a small business, I use a collection agency in NY that's very successful at recoverying funds when my clients don't want to pay me. As long as it's right in your contract with your client that they will be responsible for any collection fees, the collection agency can include that. If you have any questions, instead of giving my e-mail address and getting spammed, check me from our website, www.jellybeanservices.com and e-mail me from there if you'd like to know who my collection agency is. They're good! :-)
Answered by blueabe162 - Sun Jul 13 01:07:50 2008
What can collection agency do to you if they are trying to collect money from you?
Q. I wanted to know how the collection agency collect money from debtor and what can they do to you to collect the money. (how far they can go to collect that money from you). Thank you!
Asked by hideaki413 - Mon Aug 27 15:05:58 2007 - - 7 Answers - 0 Comments
A. They can call and harass you and if you still do not pay, they can take you to court and get a judgment. At that point they can attach bank accounts, garnish your wages (if your State allows it) and file liens on any property you may own like cars, boats, land and homes. All on top of ruining your credit.
Answered by unknown - Mon Aug 27 15:25:44 2007
Q. I wanted to know how the collection agency collect money from debtor and what can they do to you to collect the money. (how far they can go to collect that money from you). Thank you!
Asked by hideaki413 - Mon Aug 27 15:05:58 2007 - - 7 Answers - 0 Comments
A. They can call and harass you and if you still do not pay, they can take you to court and get a judgment. At that point they can attach bank accounts, garnish your wages (if your State allows it) and file liens on any property you may own like cars, boats, land and homes. All on top of ruining your credit.
Answered by unknown - Mon Aug 27 15:25:44 2007
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 niki t - Tue Jul 22 13:11:55 2008 - - 3 Answers - 0 Comments
A. People mix this up all the time. The time that derogatory accounts can be reported is governed by the Fair Credit Reporting Act and it says 7-years from the date of first delinquency nothing resets this time line. The statute of limitations is the legal time that creditors have to sue you and get a judgment, this time line varies by State and type of debt, this time line can be reset by making a payment and in some States even by admitting the debt is yours. One time line has nothing to do with the other.
Answered by unknown - Tue Jul 22 13:16:44 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 niki t - Tue Jul 22 13:11:55 2008 - - 3 Answers - 0 Comments
A. People mix this up all the time. The time that derogatory accounts can be reported is governed by the Fair Credit Reporting Act and it says 7-years from the date of first delinquency nothing resets this time line. The statute of limitations is the legal time that creditors have to sue you and get a judgment, this time line varies by State and type of debt, this time line can be reset by making a payment and in some States even by admitting the debt is yours. One time line has nothing to do with the other.
Answered by unknown - Tue Jul 22 13:16:44 2008
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 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 - - 8 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 - - 8 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 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 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
How long does it take a company or collection agency to report you?
Q. I had an outstanding debt starting last year in June and well I didn't know about it, so after 6 months, the company would send over my account to a collection agency and I had it through a collection agency earlier this month, the first week of March. If the debt was to be reported on my credit report, would it have shown up on my credit report now? Is it a good idea to look at it now or should I wait longer? Would it have been on there by now?
Asked by Jordin K - Thu Mar 27 14:52:58 2008 - - 3 Answers - 0 Comments
A. Look at your credit report now. It depends on how much the debt is. It is up to the companies discretion as to how much of a grace period to give you. When a company sends your debt to a collections agency the agency keeps it for a few months but if they fail to collect on the account it goes back to the company/bank and it is up to them what they do with it. They can pass it on to a different collections agency however, when they do that they usually tack on a huge chunk of interest. Or they can choose to take legal action against you instead. It's all up to the company's / banks discretion. They handle these things on a case by case bases. And I can not say this too many times...Keep everything!!! Just the other day I had a… [cont.]
Answered by Church Lady - Thu Mar 27 17:57:45 2008
Q. I had an outstanding debt starting last year in June and well I didn't know about it, so after 6 months, the company would send over my account to a collection agency and I had it through a collection agency earlier this month, the first week of March. If the debt was to be reported on my credit report, would it have shown up on my credit report now? Is it a good idea to look at it now or should I wait longer? Would it have been on there by now?
Asked by Jordin K - Thu Mar 27 14:52:58 2008 - - 3 Answers - 0 Comments
A. Look at your credit report now. It depends on how much the debt is. It is up to the companies discretion as to how much of a grace period to give you. When a company sends your debt to a collections agency the agency keeps it for a few months but if they fail to collect on the account it goes back to the company/bank and it is up to them what they do with it. They can pass it on to a different collections agency however, when they do that they usually tack on a huge chunk of interest. Or they can choose to take legal action against you instead. It's all up to the company's / banks discretion. They handle these things on a case by case bases. And I can not say this too many times...Keep everything!!! Just the other day I had a… [cont.]
Answered by Church Lady - Thu Mar 27 17:57:45 2008
what if false claim is made by collection agency against you to the credit bureau?
Q. Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was made in full, at the 1st request. But despite it the apartment company still reported it to a collection agency, and the collection agency reported it to credit burea and i was never told anything about it whatsoever by the apartment or the collection agency. Sum 7 to 8 years later, when i check my credit report for the first time, i discover that my credit score is 682 and there is one & only one negative claim, by this collection agency. I contacted the apartment company & the collection agency but got no response. They ignored my letters,… [cont.]
Asked by xyz87 - Fri Sep 14 23:56:08 2007 - - 10 Answers - 0 Comments
A. Contact the credit burea in which the discrepency is listed. Tell them you would like to contest the bad credit mark. That credit burea will send a letter to the apartment management company. if the apartment management company or carpet company or whatever it is cannot provide proof that you do owe them this money, or they simply do not care to counter your contest, the mark will be removed from your credit. If it was 8 years ago they probably don't have anything about you on file anymore and even if they did they probably don't care to pursue it. you're going to have to figure out how to contact the credit burea on your own. good luck! you probably won't need it.
Answered by troybuddy - Sat Sep 15 00:05:24 2007
Q. Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was made in full, at the 1st request. But despite it the apartment company still reported it to a collection agency, and the collection agency reported it to credit burea and i was never told anything about it whatsoever by the apartment or the collection agency. Sum 7 to 8 years later, when i check my credit report for the first time, i discover that my credit score is 682 and there is one & only one negative claim, by this collection agency. I contacted the apartment company & the collection agency but got no response. They ignored my letters,… [cont.]
Asked by xyz87 - Fri Sep 14 23:56:08 2007 - - 10 Answers - 0 Comments
A. Contact the credit burea in which the discrepency is listed. Tell them you would like to contest the bad credit mark. That credit burea will send a letter to the apartment management company. if the apartment management company or carpet company or whatever it is cannot provide proof that you do owe them this money, or they simply do not care to counter your contest, the mark will be removed from your credit. If it was 8 years ago they probably don't have anything about you on file anymore and even if they did they probably don't care to pursue it. you're going to have to figure out how to contact the credit burea on your own. good luck! you probably won't need it.
Answered by troybuddy - Sat Sep 15 00:05:24 2007
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 can send a bill to a collection agency?
Q. I have some clients that will not pay me for services rendered. I would like to send those bills to a collection agency so they can take care of them for me. Any information as to how that collection system works would be greatly appreciated.
Asked by PatersonOnline.NET - Tue Nov 21 11:13:59 2006 - - 3 Answers - 0 Comments
A. If you call a local collection agency in your area they will ask for the information of the person owing you the money and they will send out notices trying to collect. This is not the most effective way, most people throw the notices away...be warned collection agencies charge a fee and or a percentage of what you are trying to collect. You will more than likely end up not receiving the full amount owed to you. You are better off taking these clients to small claims court. I believe in most states it is around $35.00 to file a motion. In the end it is cheaper and with a strong case you will receive all monies owed. If and when you file be sure to include that you want to be reimbursed for court costs.
Answered by bjbourns - Tue Nov 21 11:34:04 2006
Q. I have some clients that will not pay me for services rendered. I would like to send those bills to a collection agency so they can take care of them for me. Any information as to how that collection system works would be greatly appreciated.
Asked by PatersonOnline.NET - Tue Nov 21 11:13:59 2006 - - 3 Answers - 0 Comments
A. If you call a local collection agency in your area they will ask for the information of the person owing you the money and they will send out notices trying to collect. This is not the most effective way, most people throw the notices away...be warned collection agencies charge a fee and or a percentage of what you are trying to collect. You will more than likely end up not receiving the full amount owed to you. You are better off taking these clients to small claims court. I believe in most states it is around $35.00 to file a motion. In the end it is cheaper and with a strong case you will receive all monies owed. If and when you file be sure to include that you want to be reimbursed for court costs.
Answered by bjbourns - Tue Nov 21 11:34:04 2006
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
How long can collection agency chase after you?
Q. How long can collection agency try to get money after you? if there a time frame they will stop calling ? and if you dont pay at all, are they going to give up the account eventually? Thanks!
Asked by hideaki413 - Fri Aug 31 14:27:40 2007 - - 5 Answers - 0 Comments
A. Legally they can come after you until you die. Weather they can collect is another thing. After the statute of limitations runs out they can still sue you but it will be thrown out in court when you show that the S.O.L. has expired. It will stay on your credit for 7-years from the date of first delinquency and then it will drop off. So, if you can wait out the S.O.L. and the 7-years for your credit to clean up there is nothing they can do except call and ask you to pay them. O.B.T.W. after it drops from your credit, no body is going to come back and say you have to pay it if you want to buy a home because it will not show on your credit so they will not know about it. I swear some people that answer these question work for collection… [cont.]
Answered by unknown - Fri Aug 31 15:52:52 2007
Q. How long can collection agency try to get money after you? if there a time frame they will stop calling ? and if you dont pay at all, are they going to give up the account eventually? Thanks!
Asked by hideaki413 - Fri Aug 31 14:27:40 2007 - - 5 Answers - 0 Comments
A. Legally they can come after you until you die. Weather they can collect is another thing. After the statute of limitations runs out they can still sue you but it will be thrown out in court when you show that the S.O.L. has expired. It will stay on your credit for 7-years from the date of first delinquency and then it will drop off. So, if you can wait out the S.O.L. and the 7-years for your credit to clean up there is nothing they can do except call and ask you to pay them. O.B.T.W. after it drops from your credit, no body is going to come back and say you have to pay it if you want to buy a home because it will not show on your credit so they will not know about it. I swear some people that answer these question work for collection… [cont.]
Answered by unknown - Fri Aug 31 15:52:52 2007
How to complain about a collection agency?
Q. I want to know what State Attorney general office I send a complaint to about a collection office? I stay in Tennessee but the collection agency is in Arizona.
Asked by tiannabooboo - Sun May 28 19:36:08 2006 - - 8 Answers - 0 Comments
A. I love it when people say contact the attorney generals office...chamber of commerce! WHOA! That's gonna scare them! Need a bit more info before I can recommend anything. Drop me a email if you wish. First, go to the links below and read the Fair Debt Collections Practices Act. See if what the collection agency is doing is actually legal or not. Send them a cease and desist letter. That will stop whatever they are doing. But be warned, it's also a "put up or shut up" letter. If you block them from contacting you they may just start court action. If the debt is large (over $500) that is a real possibility. If they have broken the law (and you can prove it), don't waste your time with attorney generals, because they… [cont.]
Answered by Studly - Mon May 29 16:54:39 2006
Q. I want to know what State Attorney general office I send a complaint to about a collection office? I stay in Tennessee but the collection agency is in Arizona.
Asked by tiannabooboo - Sun May 28 19:36:08 2006 - - 8 Answers - 0 Comments
A.
Answered by Studly - Mon May 29 16:54:39 2006
Can a collection agency legally do hard pulls on my credit without my permission?
Q. Recently I notice a hard pull on my credit by a collection agency that I have never heard of and have not received any communication from what so ever. I don't know what the debt is nor do I believe I have anything that would now be in collections. Can they legally pull my report?
Asked by redhairedmama75 - Mon Jan 12 12:42:40 2009 - - 1 Answers - 0 Comments
A. They got your information from somewhere, so yes, they pulled it. You should contact the credit bureau and dispute it. But whatever you do, DONT call the collection agency yourself!!! They record everything you say and use it against you. Get an Attorney to call for you.
Answered by Rosita - Thu Jan 15 11:56:35 2009
Q. Recently I notice a hard pull on my credit by a collection agency that I have never heard of and have not received any communication from what so ever. I don't know what the debt is nor do I believe I have anything that would now be in collections. Can they legally pull my report?
Asked by redhairedmama75 - Mon Jan 12 12:42:40 2009 - - 1 Answers - 0 Comments
A. They got your information from somewhere, so yes, they pulled it. You should contact the credit bureau and dispute it. But whatever you do, DONT call the collection agency yourself!!! They record everything you say and use it against you. Get an Attorney to call for you.
Answered by Rosita - Thu Jan 15 11:56:35 2009
How often may a collection agency call me?
Q. I live in Michigan. A collection agency just started calling me, and they haven't sent me anything in the mail yet. I know there is a limit to how often they can call, I just can't remember what it is.
Asked by mothergeuss - Thu Dec 18 15:09:26 2008 - - 3 Answers - 0 Comments
A. The Fair Debt Collection Practices Act (FDCPA) sets guidelines for when debt collectors can call: * They can call between 8am and 9pm, your local time * They can NOT call you unless they have already previously sent a letter. * They can call you at work if they do not know your employer disapproves * They can call you 1000 times a day if they want. * They can call you once more after receiving a cease and desist letter What about weekends and holidays? Fortunately, many businesses, including collection agencies, are closed on weekends and holidays. Although the FDCPA doesn't specifically state which days of the week collectors can and cannot call, it does state that collectors cannot communicate with you during times "which [cont.]
Answered by Yahoo (C) Watchdog - Thu Dec 18 15:50:42 2008
Q. I live in Michigan. A collection agency just started calling me, and they haven't sent me anything in the mail yet. I know there is a limit to how often they can call, I just can't remember what it is.
Asked by mothergeuss - Thu Dec 18 15:09:26 2008 - - 3 Answers - 0 Comments
A. The Fair Debt Collection Practices Act (FDCPA) sets guidelines for when debt collectors can call: * They can call between 8am and 9pm, your local time * They can NOT call you unless they have already previously sent a letter. * They can call you at work if they do not know your employer disapproves * They can call you 1000 times a day if they want. * They can call you once more after receiving a cease and desist letter What about weekends and holidays? Fortunately, many businesses, including collection agencies, are closed on weekends and holidays. Although the FDCPA doesn't specifically state which days of the week collectors can and cannot call, it does state that collectors cannot communicate with you during times "which [cont.]
Answered by Yahoo (C) Watchdog - Thu Dec 18 15:50:42 2008
How long can a collection agency sit on a debt before they start to collect?
Q. I have a collection agency that has had a debt of mine since 2002 and just now reported me and trying to collect. the original creditor never contacted us to collect on the debt either. so this has been sitting out there since 2001. its a hospital bill
Asked by fit4life - Tue Jul 11 12:52:33 2006 - - 3 Answers - 0 Comments
A. I actually work for a medical collection agency. In most cases, the agency will first send you a series of letters letting you know your rights. They will then try to contact you by phone, usually 5-8 attempts. There must be some reason they have been sitting on this so long. Were they trying to deal with your insurance? They also might have been doing a legal check on you to see if they should pursue the account legally. They really haven't done anything wrong and the original provider doesn't have to bill you. Also, was there a problem with your address? Anyway, in most states the statute of limitations(SOL) is 6 years on a medical debt. If they don't sue you, then you're fine. If they did report it to the credit bureau then it… [cont.]
Answered by Jonas with a Z - Tue Jul 11 13:42:36 2006
Q. I have a collection agency that has had a debt of mine since 2002 and just now reported me and trying to collect. the original creditor never contacted us to collect on the debt either. so this has been sitting out there since 2001. its a hospital bill
Asked by fit4life - Tue Jul 11 12:52:33 2006 - - 3 Answers - 0 Comments
A. I actually work for a medical collection agency. In most cases, the agency will first send you a series of letters letting you know your rights. They will then try to contact you by phone, usually 5-8 attempts. There must be some reason they have been sitting on this so long. Were they trying to deal with your insurance? They also might have been doing a legal check on you to see if they should pursue the account legally. They really haven't done anything wrong and the original provider doesn't have to bill you. Also, was there a problem with your address? Anyway, in most states the statute of limitations(SOL) is 6 years on a medical debt. If they don't sue you, then you're fine. If they did report it to the credit bureau then it… [cont.]
Answered by Jonas with a Z - Tue Jul 11 13:42:36 2006
What to do with a credit collection agency summon?
Q. I decided to go on ahead and fight back on my summon. Now the collection agency is calling me everyday day and night non-stop. I have a debt settlement agency and said they will be the one in contact with my creditors. I decided to go on debt settlement. So please I need your professional advises on this. Thanks a lot. I just want to get rid of all my credit cards.
Asked by carmela s - Sat Sep 13 10:35:24 2008 - - 4 Answers - 0 Comments
A. Answer the phone and give them the debt settlement agency's number. DO NOT give them any other information as they will try. Advise them not to call your house again. As for calling all day they program those computers to do that. You have to either just not answer the phone or check caller id first. Or take the phone off the hook. This is a ploy that works for them. If they call you day and night many people will eventually send them their last penny so they will go away. don't fall for it.
Answered by Kaska - Sat Sep 13 11:30:07 2008
Q. I decided to go on ahead and fight back on my summon. Now the collection agency is calling me everyday day and night non-stop. I have a debt settlement agency and said they will be the one in contact with my creditors. I decided to go on debt settlement. So please I need your professional advises on this. Thanks a lot. I just want to get rid of all my credit cards.
Asked by carmela s - Sat Sep 13 10:35:24 2008 - - 4 Answers - 0 Comments
A. Answer the phone and give them the debt settlement agency's number. DO NOT give them any other information as they will try. Advise them not to call your house again. As for calling all day they program those computers to do that. You have to either just not answer the phone or check caller id first. Or take the phone off the hook. This is a ploy that works for them. If they call you day and night many people will eventually send them their last penny so they will go away. don't fall for it.
Answered by Kaska - Sat Sep 13 11:30:07 2008
From Yahoo Answer Search: 'collection agency'
Tue Jul 28 07:29:25 2009 [ refresh local cache ]
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BigNews.biz (press release)
If you know the debt is yours, then you can speak with the collection agency about a payment plan that you can afford and will allow you to get the debt ...
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Collection Agency Report No>
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Wed, 08 Jul 2009 01:06:52 GM
Author: soundboardprankcalls Keywords: duncan . collection agency. soundboard prank call realmofdarkness.net phone pranking celebrity voice Added: July 7, 2009.
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