Fighting Collection Agency Debt

[...] If you have debts in collections, sooner or later settling with the collection agency will be an option. Collectors don't generally offer settlements up front but after realizing [...]

[...] easier for you and future readers with similar problems to navigate between topics. Can the collection agency find you with a new name and address? Technically yes, the collection agency can find you. [...]

[...] Hello Lee, I hope you can help me here. I called a collection agency to inquire about a debt I have settled and asked why this was not reported to the credit [...]

[...] and letters from collectors regarding debts you weren't even aware existed, sending the collection agency a debt validation letter is one way to ensure the debt is yours before you pay it. What many [...]

[...] delinquent and the creditor sells it to a collection agency. Two years later you pull your credit report and discover not one, not two, but three collection accounts on your credit report for the [...]

[...] adhere to that plan, the payments you make toward your medical bills don't show up on your credit report and help boost your credit scores. As unfair as it sounds, the only impact medical debt can [...]

[...] turn your debt over to a collection agency. The collection agency will then add it to your credit report. And that's whe the real horror show begins. How an Impound Affects Your Credit Scores [...]

[...] my Beneficial account in December of 2010. So now I have renewed the SOL and it will be on my credit report for 3 more years. Midland is now saying that I owe them $9700.00!!! How can they escalate to [...]

[...] Debtors are often shocked to learn that paying off collections doesn't improve credit scores. Your credit report will reflect the payment, but a collection is always a negative entry [...]

[...] For most convicts, credit is a non-issue. They've got bigger things to worry about. Your credit scores, however, are a huge part of your day-to-day life whether you realize it or not. Credit scores, [...]

[...] matter how careful you are with your finances, a medical emergency can pose a threat to your credit scores. If a doctor or hospital sends your unpaid medical bills to a debt collector, the collection [...]

[...] Headed to prison? Protect your credit scores! Earlier this week we discussed the basics about debt and incarceration. Fortunately, there [...]

[...] but they don't have to. The Fair Debt Collection Practices Act requires, however, that once a debt collector receives a request for validation the company must cease all collection efforts [...]

[...] the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the [...]

[...] a question. I am trying to resolve my credit issues and recently my account was levied by a debt collector. Can I open an account in other State and avoid this levy again.Will they find the bank.How [...]

[...] to avoid having to pay debt collectors, being dead has to be one of the most effective. A debt collector could come knocking at the pearly gates, sure, but nobody would let him in. He'd be directed [...]

[...] How much money do debt collectors really make? If you're here then the odds are you've had issues with a collection agency at [...]

[...] signed for the original debt or not. The question: The debt relief contract staved off the debt collectors for that time but my brother-in-law has received 2 notices from Viking Client Services ( [...]

[...] who ever attended middle school knows what a powerful motivator humiliation is, and unpaid debt Collectors can't tell your boss about the debt. is embarrassing. Even if your collection accounts are [...]

[...] as embarrassing as having your boss discover that, not only do you have bad debts, but that debt collectors are so focused on recovering them that they're willing to call you at work. Sure, a debt [...]

[...] Hello, I had 3 Collection agencies show up on my Credit Report showing collection accounts. I sent certified mail to them [...]

[...] vehicle is sue you and win. That sounds simple enough, but lawsuits are a last resort for collection agencies. Lawsuits require a collection agency's time and money--neither of which they want to [...]

[...] ." Its a trigger word that some bill collectors are taught to listen for. Some collection agencies will honor your verbal request and only call you after hours. Others will ignore you. Keep [...]

[...] , There seems to be a general relief among debtors that creditors – especially collection agencies – offer pennies on the dollar deals and that if they only hold out long enough, they' [...]

[...] the eruption, you still won't have to worry about those pesky collections. Although the same credit bureaus we have in the U.S. also operate in other countries, there is no international credit [...]

[...] to their advantage. The original creditor's report is the yardstick that both you and the credit bureaus can use to determine if a collection is obsolete. Medical debts don't appear on your credit [...]

[...] service (Translation: tell him not to bother trying to pull his credit reports from the credit bureaus). He'll have to answer a series of prompts and multiple choice questions about different [...]

[...] just don't show up on your credit report. Why Don't Landlords Report Rent Payments to the Credit Bureaus? In order for a creditor to report debt on your credit report, it must have a credit [...]

[...] us.  Sincerely, Tammy Tammy, When a big credit card company like Citibank charges off an unpaid debt, it usually sells it to a collection agency which then goes after the debtor for payment. If [...]

[...] judgment holder can attach a lien to the car, seize it and then sell it to recoup some of your unpaid debt. This is a factor you have to consider. But none of these things are even possible until the [...]

[...] my bank from that time to see if there were any payments made to make sure this is in fact an unpaid debt. My question: Am I responsible after all this time? This is clearly an error on their part. At [...]

[...] as it may be for your boss to know that you are under a garnishment order due to an unpaid debt, your employer cannot fire you based on the garnishment alone. Strangely enough, your employer [...]

[...] attorney, tread carefully. Related Posts: Can a Collection Agency Sue After the Statute of Limitations Expires? Send a Cease and Desist Letter to Debt Collectors  Debt Collection Lawsuits: The [...]

[...] limitations for lawsuits and, as long as they win a court judgment before that statute of limitations expires, they can renew the judgment (you don't mention your state of residence, but judgments are [...]

[...] if they can't collect the judgment. Keep in mind that Midland can sue after the statute of limitations expires. The case would get dismissed on the grounds of an expired SOL, but only if you bring the [...]

[...] than Florida's. The problem that arises here is that, if you move before the statute of limitations expires, the SOL is "tolled" in your original state of residence. That means that, as [...]

[...] to pull out the big guns: legal action. The FDCPA gives all consumers the right to sue third-party collectors that don't adhere to federal collection guidelines. If you've sent the collection agency [...]

[...] laws in the FDCPA that give you the right to demand validation only apply to third-party collectors. A third party creditor is any company that buys a debt from the debt's original [...]