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Ask you question about dealing with debt collectors here. Please be specific, including dates (that you were contacted or fell behind on the bill, etc.) and amounts (the original debt and/or the amount they are trying to collect now, for example), and be sure to list the state you live in. Debt Collection Questions and Our AnswersClick below to see questions from other visitors to this page... Threat to garnish if I do not agree to autromatic payments A collection Agency, Jacob's Law/Group costantly says that they will garnish my wages if I do not make a monthly agreement to pay by automatic drafts from ... how i filed bankrupsy on a motorcycle and was granted now they are after my cosigner what can i do towed cars debt? I've had two cars towed and the companies say I owe money. One happened in 2006 and the other was in 2008. How should I handle these? I was reading ... time share If we bought a timeshare that was tied to a house we no longer own what happens if we go into forclosure now? Will they be able to go after our new house?... My husband's unpaid medical bills. My husband has unpaid medical bills from a serious illness and i was wondering if those will negatively affect my credit report. we keep everything seperate ... Personal Guarantee of business loan I'm filing chapter 7 bankruptcy in florida. i have a few credit cards that are in business name that i had personal guarantee. from what i understand, the ... Long ago debt I have a furniture store credit card that went in to collections at least 10 or more years ago for an amount of about $15,000. It was one that was affected ... freeze a bank account in mo. can they freeze a joint bank account if only one person is responsable for the debit Bank account I just pulled up my bank account to find a zero balance, I called the bank, and they withdrew money that was from a past debt on a credit card, is this ... Do I owe for my daughters medical bills if I didnt sign them? My daughter had a baby before she turned 18, she didnt list my name on her authorization anywhere. She was insured under her fathers insurance at the ... Unsecured loans to young college student I previously submitted a question which was posted but when clicked, the link seems to be not working. I was very much looking forward to your answer.... Over 10 year old debt How is it that a credit card company can can continue to persue a debt,(in CT), That is over 10 years old when protection insurance was paid in case of ... financial aid I have an attorney threatening to sue me over 175 dollars cable bill from four and half years ago. He has been sending letters to my parents because he ... Continued Collection Attempts After Agreement Is Made I recently paid an outstanding bill which included both principal and interest up to a certain date. I had indicated in my communication with the company ... Firing Collectors Do I as a consumer, have the right to get rid of a debt collector and deal only with the original creditor? Debit Collection I owed orange phone company a debit about eight years ago they said my DD Neva went through and I told them could they hold the debit till I was home how ... time. limits How long does a creditor have to take action against a debt.
Giving personal information
Hello, Wage garnishment six years NY Can a bank garnish your wages after 6 years in NY State? How can i get a collection agency to send me a bill? Ive been off for a year couldnt work due to a illness nco finnacial knew i couldnt work ...this new collection agency never sent me a bill nothing .. The ... Statute of limitation in Colorado and medical debt What is the statute of limitation on medical debt in the state of Colorado? I have heard 3 years and I have also heard 6 years. The 3 years seems to depend ... Buried in debt from credit cards obtained while young and naive. We are trying to advise our 20 year old son, a college student, with no assets on how best to proceed. He obtained multiple credit cards starting when ... last activity date In 2002 my debt was delinquent at Scotia bank Canada. It went to collection in 2002. I started paying a law firm hired by the bank to collect the money....
Debt Collector trying to take me to court for debt that is beyond Illinois Statute of Limitations and I had removed previously
Hello, husbands past I just got married and my husband and I decided to move into town. We went to hook up the electricty and the company said he had a outstanding balance.... lawsuit A debt collector has informed me that they are going to sue me in 60 days for the debt I owe ( $16,000 unsecured). Exactly what does this mean? Can they ... negotiating a settlement on a debt with debt collectors i want to settle the debt but i want to do so by paying at least 25 per cent of the total debt. Is this possible and if so how do i go about it? DEBT COLLECTORS CAN A DEBT COLLECTOR TAKE MY CAR? Credit Reporting Is there a requirement that a patient be notified before an account is sent to collections or reported to the credit bureaus? collecting debt for retired physician I live in the state of Oregon and a collection agency contacted me regarding a medical bill they state I owe. I asked them to validate the debt and they ... "Zombie Debt" collection An attorney has recently obtained an order to proceed supplementary to execution of a lien against me recorded on 10/1/96 here in Florida. It is my understanding ... collecting from disabled person Can collection agency call disabled person and collect debt? Purchase of bank judgement My husband and I live in Southern Nevada. My husband received a letter dated June 29, 2010 from a debt collector informing him that they had recently purchased ... How do I fight the total amount asked for me to pay I am currently not working and was unable to pay a credit card bill. The amount is now double my limit and I know that it was not maxed out. How do I pay ... Title loan repossesion My ex and I both have our names on the car title (separated with "or"). He took out a title loan in only his name without my knowledge. He didnt make payments ... Possble lawsuit filed by Credit Card Company. THE last few days, I have been bombarded by solicitations from Law Offices regarding debt that is owed. They mention that there is a lawsuit filed by a ... Dept Collection from ROTH IRA Can the IRS collect tax debt from IRA (Roth)or any other retirement account that has matured for the past 5 years or more? General Contractor hired Collection Agency A collection agency recently called to inform me that a general contractor I recently hired is trying to collect on money owed. I do not owe the contractor ... Nco financial systems claiming information was not received I have mailed out a wage verification form as well as copies of all monthly bills, copy of my lease in addition to a copy of my 2009 tax return information.... Turned into Collections 9 days after Making a Payment When I was 16 I opened a tire account with a local tire store and signed a contract. 10 years later after always making my monthly payment and paying my ... Collector is calling my business partner Does a collector, Nationwide Credit, have any right to call my business partner to try to reach me? This is for an American Express business card debt,... Monthly Payments and Collections Can you send someone to collections if they are paying you 5.00 a month and your policy is 50.00 a month? Forceful If I am making monthly payments to the collection agency. Can I be force to give them my bank account information so that they can take money automatically ... 30 Day Letter of Right to Dispute DO COLLECTION AGENCIES KEEP COPIES OF LETTERS THEY SEND OUT TO EACH CONSUMER? I NEVER RECEIVED A THE LETTER THAT GIVES YOU 30 DAYS TO DISPUTE THE VALIDITY ... Lein against my home My 74 year old husband passed away a month ago. I am getting phone calls from credit card holders and collection agencies. How do I handle this with a ... Reselling of collection accounts I have several entries on my credit report from accounts where the first date of delinquency with the original debtor was well over seven years ago but ... Judgements How long can a judgment last in Indiana? A Collectors Rights.... When working first party auto collections ... they give us a script to say on every peoples voice mail regarding the customer account.... I have done collections ... Two Judgements on Same Debt Can a company issue two judgments against the same debt?? They had one judgment entered against me then had another judgment added for real property or ... Sallie Mae Third Party ACT Debt Dollectors Does a 3rd party have the right to garnish my wages for Sallie Mae who claims I owe them 21K from over 12 years ago? I paid them of in full in 2001 with ... Can collector refile on my credit report? I have disputed a collection account listed on my credit report to all three credit bureaus. They have all deleted the account, but the collection agency ... unknown title can the Canadian collection agencies able to take direct money from my disability check ? Statue of Limitations on Medical Bills in Virginia What is the statue of limitations on collecting medical bills in Virginia? How Far Back Can A Debt Be Collected? I got a call from an agency that said they represented Verizon wireless and that I had a past due amount with them, going back to 2001 for $1907.04. I ... Statute of limitations ended I keep receiving letters from multiple debt collectors for a cc debt that is over 15 years old. The cc co. wrote it off years ago & it harmed my credit ... Collecting on Debt I have an Order from the Family Part in New Jersey against my ex-husband for $3,000. The guy won't pay the money. I know where he banks, where he works ... Garnishments I want to pay the garnishment, but would like to have some of the interest and charges reduced. Can this be done and how? Can Government Garnish for Back Taxes? Can the irs garnishee Social Security or government pension for back taxes they claim you owe? HOA fee My house is in Nevada, and I was behind Homeower Association (HOA) fee due to divorce. I sent in a $200 to catch up the late before a collection agent ... Disputing the Validity of a Debt I received a phone call from a law office about a payday loan that I supposedly took out for $274 5 years ago. I have never been contacted (to my knowledge)... Send me your paystub or income tax return A debt collector who is representing the bank holding my second mortgage is demanding that before they will take anything seriously that I must submit ... Wage Garnishee Can they garnish social security or government pension? If so how much? Statute of Limitations in AZ I found that the statute of limitations on open - end credit (credit card debt) in AZ is 3 yrs. I also read that AZ is 1 of the states in which a partial ... Pay Stub I have set up a payment plan with the collector it has been around 9 months now and they are calling me trying to get me to pay a bigger monthly payment ... Being harrassed by debt collectors I bought a house out of foreclosure and now the debt collectors are calling me for the former owner's debts. How can I report multiple debt collectors ... Medical debt incurred while a minor Can a collection agency recover a medical debt incurred while a minor? My mother took me to hospital when age 17 and was unable to pay the bill. Now, at ... Collecting Foreclosure Debt I purchased my first home in Sept. 2005,I was only making $14 dollars an hour and bought a $111,000 home. Six mo. after purchasing we got hours and pay ... Debt Collectors and Liens Hi my question is after a lien has been put on your house or property can the debt collectors start trying to collect said money again over a year later?... Heating Bill Collection Need help paying a heating bill that's 5 years old. I am disabled i don't have any gas/heat because of that collection bill i need to cook and bath. Medical Bill Question We have been making steady payments on two medical bills from January. The hospital had now decided that they don't like this and is threatening to send ... Do I have to tell them my employer to set up a payment plan? I want to pay the debt. But obviously can't pay it in one payment. The debt collector is willing to set up a payment plan, but they say they need to know ... Vehicle left at garage A customer left a 1967 VW for repairs at my shop in 1983, after a very long time the vehicle was crushed. Now he is wanting payment for the car. What ... Summons to Court From Paragon Payday Loan Collectors I have been receiving numerous calls from different people from a collection agency which state they are a law firm and have attorneys, but they are telling ... US Treasury Offset Letter Can the debt collector take more than what was stated in the original US Treasury Offset Letter? The agency states a balance of .10 cents was still owing ...
Threat of Lien for Credit Card Debt
I have worked out minimum payments for a limited time or until I can pay my debts in full, with all of my creditors and collectors except one. 15 year overdraft bank Am I responsible for an out of state overdraw not made by me? Bank has no record back 15 years ago. MICHIGAN UTILITY DECEPTIVE COLLECTION I recently became a new customer with Semco. At that time, I was required to provide a $130.00 deposit even though I never had service with them. The ... Paying but being harassed I have been paying on a medical a payment every month when they called me they asked me for $175 each month which I can do with eight children can they ... Credit Reporting After Settlement I made an agreement for a settlement on a collection with Jefferson Capital which they took the money out of the bank account on the 20th of May 2010 but ... Disputing Debt letter to collection agency I received a letter from an attorney stating that I owe them a sum of money from a credit card I stopped paying almost 3 years ago. The letter said that ... Collector Threatening to Sue on Expire Limitation Debt My husband has an debt dated by in 1999. His last activity on the account was in 2001. I got a message stating that both my husband and I were being sue ... Debt Paid in Full but Credit Report is Not Updated What do I do when a collections agency will not send confirmation that a debt has been paid in full (actually more then owed,) and has not reported to ... 15 year old credit card debt My ex wife had opened a credit card under my name over 15 years ago, i found out about it when it went delinquent. I have never heard anything about it ... Lien on my home in Florida Can an unsecured credit card issuer put a lien on my home? collector asking for paystubs I am trying to make an offer for a settlement with a monthly payment option. The collector is telling me that I need to submit 3 pay stubs as proof of ... military personnel overseas I had an apartment room rented with 2 other people I had to go overseas for a year and I informed the landlord as well but that person didn't help me one ... was not notified of a medical bill and turned into collections My bill was sent to another party after i was in the hospital. I didn't know it existed. I was turned into to collection. Is their any way I can make the ... Statue of limitations- massachusetts Is there a statue of limitations on bring a lawsuit for collection of balance due to a university. No loan involved just outstanding balance. If so, when ... Old Account Just Won't Die I have a very old bill that I settled on 15 years ago. My daughter bought a car when she was 17. I signed the loan papers, she stopped making payments,... Can they do this? I received a call from a sick relative today telling me that a person was trying to get in touch with me. They went on to say that this person wanted my ... Collector asking for my paystub I am trying to make an offer for a settlement with a monthly payment option. The collector is telling me that I need to submit 3 pay stubs as proof of ... Services Not Rendered Can a person be turned into collections for services not rendered? While I was enlisted, I had a cell phone contract While enlisted, I had a cell phone, I did make the company aware of the fact that I was enlisted and that I was not interested in a contract, nor does ... Medical Bill in Collection for me going to my stepfather... I was working for a lady who was a dentist. She told me she could close up my gaps (in my front teeth) for me and we just charge the insurance and not ... What if they refuse an offer to repay? I am dealing with a debt collector on a bill that is only 6 months old. It is Franklin Collections out of Mississippi. I am trying to arm myself with information.... gas/heating bill in collection in 2005 the building i lived in did not have instalation in the whole house i didnt know that until the gas people came out to look at the meter i bought ... i cosign for a vechile i cosign for a vechile and the person did not meet the payment requirements, and now there is a civil case against me. Iam on a fixed income with S.S. benefits ... Garnishing spouse's wage in community property state We live in Idaho and my spouse is being sued by a debt collector. My spouse is unemployed but I am not. Being that Idaho is a community property state,... Department Store Charge Card I had a department store charge card out of Virginia that I opened up back in 2002. About 2 or 3 years later I was no longer able to pay on the card and ... harrasment I leased furniture from a company and missed a payment. Associates from the company have showed up to my work three times and talked to me infront of my ... MIXED UP i was pressured by a crediter from a bill on a jet ski that my ex husband sold and still owed a bill on.i gave them a 21,000 dallar post dated check. or ... Money in account My mother-in-law died in January, 2010, she has 6 different medical bill outstanding for various providers, she live with us for the past 4 and a half ... Checking Accounts Can a debt collector freeze you bank account without warning? child support Can a bill collector take my child support? Its on a card credit card that has a balance of $7000.00. Have not paid on in over a year Change of Debt Collector After making an initial payment on a debt, I received a letter from a different debt collector for the same debt with addtitional fees added. I was never ... girl owes me $5000 I took a girl to court that owes me $5000 and she didnt show up. I hired a collector but, she doesnt have a job or money in a bank account Hospital bill Judgement My husband had a heart attack 1 1/2 years ago had no health insurance and was laid off from his job shortly after. He found work but is self employed and ... collection from granddaughters utility bill My granddaughter use my Scial Security number to open electric account but used her name and my social and now the account is delinquent. Will it go on ... GMAC Smart Buy Car Loan We purchased a car under a GMAC Smart Buy - lease with option to purchase with a balloon payment at the end of the contract. We could not afford the payments ... Are social security direct deposits safe from collectors in Illinois Are social security direct deposits in a checking account safe from seizure by debt collectors if the funds are not co-mingled by other deposits and the ... Past due account with west florida electric. I have a past due account with West Florida Electric. They are threatening to take me to court over a $600 bill. We no longer use them as our service ... care credit lawsuit is there a pending care credit lawsuit that i can get jnvolved in? Can debt collectors take money from my checking account? I live in Ohio, got injured at work---needless to say, credit cards took a hit! I am still not able to work and receiving calls,letters from collectors.... uncllectable debt How long after a credit card debt becomes delinquent does it become to old tobe collected? I live in Oklahoma and I read it was between 3 to 5 years. Military retired pension can a debt collector garnish a military retired pension how to contact collection agency If your credit report states something has been turned over to collection agency how do you contact them? adding interest after debt is in collection Can a business owner continue to pile up interest on a debt once he has placed it in collection? confidential information Is it a fair debt collection practice if my employer informs the creditor itself i.e a different company about my work hours and payments made to me? Car Loan Creditors for Ex My ex and I are cosigners on a van he uses for his business. He has roughly four or five insurance companies he works for, and a local newspaper as an ... Admin found credit card debt that's 7 yeas old. My mother-in-law died in January, 2004. At that time she had no assets and therefore had an insolvent estate. She had a bunch of credit card debt and doctor/...
Disable brother getting 10 calls a day
Hello, Repossession of Vehicle-Cancelled Debt? How do I know if my debt has been canceled from the collection agency? I have moved and they don't have my new address. I have not received a 1099 from ... student loan debt and irs If i am due back child support that was already intercepted from the absent parent's tax refund and i owe student loans will IRS intercept the money from ... Privacy Question Can a banker tell people other than yourself information about your debt? real property I have 3 default judgments against me due to being unemployed. If I die, (The mortgage is solely in my name and the bank note. Does my husband have to ... Number of daily phone calls For 2 months I have been trying to negotiate a one month deferment,due to a medical emergency,with Santander who recently purchased HSBC auto loans. I ... how come a 8 year old foecloser hasnt come off judgement in the state of indiana How do i get a foreclosure off in the state of Indiana? It's over 8 years old. I paid an attorney. Can a debt be colected after 14yrs? I received a phone call today April 29,2010 about 14 parking tickets from an old resident and vehicle that I use to own. The tickets are back from 1996.... Medical Bill Collection Pressure I have been turned into a collection agency been making $75.00 a month for the last 4 months (I owe around 4000.00) they called and they want me to make ... Bank account I have a debt that is over 7 yours old. It was a charge off from a car repo. My bank bought the old bank that had my old loan. Yesterday that took a thousand ... Is It Legal To Charge Fees On Inactive Accounts i hadn't used my TD bank account for several month maybe close to a year....... when i went back to work and submitted my direct deposit information everything ... misled I have a 4k debt from a credit card company, who sold it to a a debt collecter. My question is, I agreed to a certain amount each month and they have raised ... Garnishment How to I get out of paying a debt that I can't no longer afford How much do I owe? My debt was sold to a third party for collection. Since the debt was bought at a value less than the original amount, do I have to pay the original amount ... Arranged payments and still receiving calls My mother had some medical bills go to collections. She has set up payment arrangements with the company to be paid by a specific date, yet they still ... medical bill agreement I have arrangements for a 20,000 dollar medical bill, they took out the first payment of $100.00. they then sent me a letter a month later stating i defaulted ... Tried to make payment arrangement I live in Tennessee.I had 3 accounts with a payday advance company.The amounts were $230, $205 and $204. The amounts they are trying to collect are $260,... Lien laws of personal property My husband receive a lien letter on his personal property and my name is on the title of my truck as well as his name will they take my truck?
Debt summons
How do I know if I've received a debt summons? I defaulted on a couple of credit cards in 2001 in AZ, but have not lived in AZ since 2002. Is there a time limit for collecting old debts? I live in Indiana. A collection agency file suit against my husband and I about 16 years ago for unpaid medical bills. I don't remember the original amount,... debt collection concern Hi Gerri, thanks for your answer, but I am being SUED by the creditors. I failed to pay for my bills. I am going through a financial hardship. My main ...
Can a roommate withhold your security deposit after you break the lease if she also breaks the lease a week later?
Can a roommate withhold your security deposit after you break the lease if she also breaks the lease a week later? Can I collect debt from ex-partner for item purchased together? My ex and I purchased together a $3,200 king bed in 2005. We separated in 2007, she paid me $250 towards my half and kept the bed. I could really use ...
Can collection agencies finde my social security number?
Hello, debt collectors for deceased brother How can my mother stop debt collectors from calling regarding my deceased brother? foreclosure How do I get a 12 year old foreclosure off court records? collect a dept on a dept. Which article of the laws of michigan says that a dept collect cant collect a dept on a dept? It is against the law to do so? Never received medical bills, attorney sends demand for over $8000 I saw a chiropractor over two years ago for 4 months. He was a preferred provider and I was to only pay $20 copay for acceptable treatments. When he started ... judgment and collection I had a credit card that was past due. My wife was down on it as an authorized user. A law firm secured a judgment against her. We have a joint account ... Sued While On Public Assistance I am on public assistance.I know when you get a summons from the court they ask if you are or any other listed categories that may be checked that are ... debt settlement Company I live in NY, and I need find a good settlement Company, could you recommend one? In-Laws debt transferred to my husband? Moved to Cali from WI in 2007, lived in home with in laws, nothing but Time Warner in our name. Now, moved into a new home w/ inlaws (both in failing health)... Filing on senior citizens My mother is 80 and my step dad is 83. He has been in the hospital several times in the last few years. My mom is telling me that the hospital has turned ... Medical Collection Agency without Notification Reported to Credit Bureaus a debt of $20 I did not receive any notification from a medical bill collection agency that a debt was owed; no letter or phone call; only found out the $20 debt was ... repossed car from 1992 A unpaid balance for a car that was reposesed during a divorce in 1992 has recently been brought to my attention. It was never reported to the creddit ... Garnishment of SS Disability and Private Pension Funds i received social security disabilty and a private pension in the state of va. i received a garhishment from captial one. can they garnish my payments ... collecting a court order I have a court order stating jp morgan chase owes me money but I have no idea how to enforce it Judgment against one party of a JTWRS My husband, son and I are both on the title to our mobile home (no land, just the mobile home) with JTWRS. The son has a credit card collection judgment ... Collection account paid Can AT & T wireless collect on a delinquent account that I owed to them and settled with a collection agency collecting on their behalf? 7 year old NSF payday loan check Can you be made to pay for a check that was written in 2003, for $900? Medical Bill for Minor Can a debt collector call a minor child about a medical debt? calls at work are they allowed to call you at your place of employment? Credit card debt What is the best way to start paying past due credit card debt when you can't afford what the cc companies state is your minimum? Place of business Can a bill collector show up at my place of business to collect payment for a bill due not related to our business? How do I know if I am in collections? How do I find out if I've been sent to collections? Credit Card Debt From Ex Fiancee In 2007, my now ex fiancee forced me through physical means to sign an application for a credit card. Upon receipt of the card, which he kept in his possession,... Concern Can a debt collector wipe you out from your own checking account or savings account without any approval or notice? Wakefield and Associates My ex wife financed braces for my daughter while we were separated without my knowledge, or consent. She has since defaulted on the contract. I am now ... Debt Collectors I have debt and a joint account with my girlfriend and she also has a separate account. Can they take money from her account t if I'm not on it? In Florida?... A student loan over 10 years old I got married 5 years ago and my wife who had a 10 year student loan she never paid and every 6 months or so we get a random letter saying this will be ... Garnish IncomeTax after loan sold to collection agency My student loan is in default. They are taking my share of income tax return every year. They have sold my loan to a collection agency. I would like to ...
time til debt falls off or can not be collected by collectors.
I have debt collectors trying to collect debt from 2003 back to 1992. Can I dismiss this claims and if so how? Judgements If you get a civil judgemen against you can they take money from your checking account in texas Debts not in your credit report. Hi. I have been receiving phone calls from a collection agency about two bills that are from the same year around the same time- but I have no memory of ... Two Debt Collectors for the Same Debt My husband and I live in Arizona and received letters April 1st and April 9th 2010 from two separate debt collection agencies concerning the same debt.... Unwilling to Reason If notifying your credit card company of a recent change in your financial status and requesting a reduction in your annual percentage rate (which is and ... my debt is longer than four years, do i have to settle? my debt is longer than four years,do i have to settle? a five year old bill lawyer trying to collect on We hired an attorney eight years ago to represent us as we had a renter that was trying to sue us. I sent him a retainer of 5k and then he ran up bills ... Grandsons bad debt My grandson has an apartment debt that is about 2 years old, it has been turned over to collections and I am willing to help him with this. Can he call ... co-signer for ex wife on van My boyfriend was married to a girl who bought a van and he co-signed for it. They divorced. She didn't pay her car note so it was repossessed. Now, 12+... Student Loan Cheques Debt Questions My girlfriend got a student loan to go to college, she decided not to go to college and never cashed the cheques. She mailed them back to the student loan ... Workplace Harrassment I had a collection agency call me at work quite a few times. I didn't know the number, so I called it back after them calling about the 5th or 6th time.... Co-signer Responsibility My daughter at age 20 co-signed a rental lease agreement with her boyfriend at the time; they left the apartment before the lease expired. Now she's being ... Fees on Account in Collections Can they continue to charge late fee over limit fee and interest on account that has been turned over to a collection agency? Collection Agency Letter Does a collection agency letter have to show separate on the letter any additional charges other than the original amount owed? Garnishment of a PERA government pension upon filing a chapter 13 bankruptcy We are faced with filing a chapter 13 bankruptcy and I am wondering if a Minnesota PERA government pension can be garnished upon completion of the chapter ... Spouse Bankruptcy and Debts In California, if my husband files for bankruptcy for debts that are only in his name can the creditors attach my saving or checking accounts to pay the ... PATIENT/DOCTOR DEBT RESPONSIBILITY I work for at a medical facility & i have noticed that there are outstanding debts from 2003 onwards -- isn't there a time limit (statute of limitations)...
Disability and debt collectors?
My mother has a bill in collections and she is on Social Security Disability. Does this collection company have the right to collect on this debt? Constant Calling! Unfortunately my husband has collected several hospital debts which of course he never pays or very rarely. I, on the other hand have hospital debts I ... Collection Limitations in Florida I filed bankruptcy in 2009 and everything listed on my credit report was included. I recently received a collection notice for $2600 on a account that ... Check Endorsement Is it legal and binding to put on the back of a check "Endorsement and processing of this draft constitutes payment in full to xxxxxx, account xxxxx, without ...
settlement
I want to use part of my income tax return to settle some collection accounts. Is this a good idea? Debt Collection vs Harassment My mortgage is with CitiMortgage, I never pay my mortgage on the first I utilized the grace period and have it paid by the 15th of every month. CitiMortgage ... Collection Agency's reporting false information When a collection agency buys a debt, can they legally report on your credit report that it is a new debt with a new charge off debt. I have stuff that ... Cancellation of debt income If I make a settlement with a bank before I apear in court following a summons, under what conditions are the cancelled ammount reported to irs on form ... Collection on debt not mine I just recently pulled my credit and see that i have a collection account open on my credit for lawn care provided at a property i was staying at. However,... UTILITY CO. WROTE OFF OLD DEBT-NOW TRYING TO COLLECT ON NEW ACCOUNT UNDER SPOUSE'S NAME According to SEMCO ENERGY, I owe app. $50.00 from an old rental. I was not aware of this until, I recently married and it appeared on the new bill which ... Car place out of business The car company that I purchased my car through shut down and dissapeared (went bankrupt) with no warning. Now we have a debt collection agency calling ... School Money My daughter has her school money deposited into her bank account. A credit agency came in and took all of the money in her bank account and now she is ... How debt collector find someone who don't have social security number? Hi, I'm an international student. Two years ago, I got sick and went to a hospital then the hospital charged me about $4,000. I couldn't afford to pay ...
10-year old debt from a collection agency (from Capital One Bank)
Hi Gerri, private student loans I currently have a couple bills at the debt collectors and a couple bills that will more than likely end up there soon. I am a full time college student ... credit card debt when you recieve a summons to appear in court,should you show up or should you ignore it?unemployed and have no money to pay debt,should i allow a defualt ... payments If im making monthly payments of 50.00 on a pass due account monthly, is the company still able to send me to collections? Debtor threatened with jail The Attorney generals office in N.C. person said I would be put in jail for 'contempt of court' if I did not fill out every piece of paper they sent to ... Hospital Debt Turned Over to Collections I had surgery in Nov. 2008 and have been making payments since. We paid what we could afford from $300 to $50, it has now been placed with a collecting ... Summons for Judgment I was served a summons for judgment. Old doctor bill for $1,000 approx. a year ago. I have 20 days to respond. I called the attorney listed who said I ... Dispute over medical bill Can a doctor continue to report that they have not been paid and in fact they have been paid in full through the court system? They have put this on my ... Is there a statue of time limitation for federal indebtness After 14 years my federal employer is claiming they overpaid me for a housing allowance. The payments go back to 1996. They claimed they contacted me ... Execution in court I had to go in front of judge and answer ? about my assets. Can they go after my wife's wages, 401k and here car? This is all my debt her name not on anything ... Can They Garnish Your Wages What happens if you have a job but still can't afford to pay a debt collector? Being Sued By Collection Law Firm What is the procedure for a law firm that has had me served by the court to sue me? I have filed a written response to the court and the attorneys. What ... Interest On Judgment Debt I have an account which went into collection in March 2006. I contacted the company to set up a payment arrangement (after their refusal in prior years)... Skip Sewer Summons In Oct 04; the Sherriff dept returned a summons because I had moved. The law firm that sued me; file an ex-parte motion and had a private process server ...
Hospital Bill 10 Years Old
The hospital is Indiana and the bill is a little over 10 years old. The hospital cannot produce an itemized billing statement for the charges. Itemized Statements I have a payment arrangement on a lawsuit against me for medical bills. The debt is legitimate and I acknowledge it and am paying every month according ... Settlement Refusal I have an old debt in collections over 4 years old. I have attempted to settle the debt recently however the collection agency denied the settlement. I ... Banks What is the statue of limitations in Ohio on a bank collecting a debt? Collector sent me PAID IN FULL letter by mistake..now trying to collect I made an agreement with my debtor to make payments for 8 months till debt is paid. After only 3 payments I received a formal letter from this credit bureau ... Unemployment versus Debt I've been unemployed since Feb 2008. I've been staying afloat collecting unemployment and freelance. I've made huge payments towards my credit card due ... Debt is cleared, but another agency put it back on credit I received a letter from a collection agency about an old account that I inquired about. The letter stated that the amount was paid and will be removed ... What are implications of getting a judgment for medical debts? Figure am about to be served, am wondering what are the implications (short & long term), to having this against me. I own nothing, (been without regular ... Utility Bills I have an electric bill over 10 years old.I was married my husband passed away 7 years ago. The Ohio Edison wants me to pay it before they give me service.... Paid settlement amount I received a settlement offer from Afni, Inc, for an old telephone/ ISP bill (statute of limitations has not passed). I paid the amount requested, which ... Should i pay the collection if passed 2 years I have a collection account that has been longer than 2 years and i was wondering if i settle for less tha what they are asking for, is it good for my ... CAN MICHIGAN UTILITY COMPANY COLLECT OLD DEBT FROM SPOUSE-NOT BEEN REPORTED TO COLLECTION AGENCIES? My son was newly married. Utility bills are in wife's name. The 1st bill included amt. due from my son - 5 years ago. This debt is not reported to any ... Collection Accounts Reporting to Credit Agencies Is there a statute of limitations for debt collectors to send an unpaid balance to the credit bureau? Garnishing tax refund Back in 2008, my ex-husband and I filed the income tax jointly. It appeared that we owed sum amount of money as he was earning 100K++. We got separated ... Agreement I made an agreement with a debt collection agency over the phone. I agreed to pay 200.00 month after getting demoted down from ast. manger to shift manager.... Cease and Desist etc. 1. How much time should go by before writing a cease and desist letter and if the credit card debt is then sold again, would you have to send a cease and ... Can we settle our credit card debt? My fiance' has about 700 dollars in a credit card can we offer half of that for a settlement? If not, how much should we offer? Can Charge-Offs Be Removed if Settled? I have read through both of your books and I am left with a questions regarding “charge-offs” On my credit report I have 5 charge-offs. If those debts ... My husband owes $8500.00 I recently got married and found out my husband has a debt to a debt collector for $8500.00. I want to contact them and ask to settle for half do you think ... Taking my Money Capital One came in and took all my money out of my bank accounts. I still need a way to pay my bills. If I put all my money in a pre-paid credit card,... Sent to Collections Can you be sent to a collection agency if you are making payments on a debt?
Can a collection agency collect on a bill that is 10 years old?
Can a collection agency collect on a bill that is 10 years old? And as well happened when your identity was stolen? SCHOOL LOANS I have a school loan that is going on 20 years old. It is not on my credit report but i am getting debt collector calls daily. My question is how can i ... Hospital debt My husband owes the hospital here in Yuma, Arizona just over $10,000.00. We want to know if we make payments if they can still turn it over to collections?... Do the debt collectors report the written off debt to the IRS? We owe $30,000 on a Chase Visa card. The debt collector told us that if we settled for $10,000, they report the $20,000 that they had to write off to ... Collecting judgement from defendent How do i begin collecting a judgment? Wages Been Garnished Past the Statue of Limitations I live in missouri What can I do about an attorney that garnished my wages when the statue of limitations has expired? and she has already collected over ... Diversified Collections I live in Missouri. This company has been calling me regarding an old phone bill for the last month to my knowledge(meaning, i've never gotten any messages ... debt collection lawsuit what state does the lawsuit for debt get filed, the state where the contract or card was taken out or the state where you now live? can i fire the debt collector and pay the original creditor can I fire the debt collector and paqy the original creditor?
Investigating a dispute
What is required by law, by a collection agency, to conduct a dispute investigation of proof of ownership? Collection on business accounts Can collections seize business account funds?
Both parents are deceased.
..Dad 2 yrs ago and Mom 5 yrs ago.-harassing collection calls for their debt. Time for Collecting a Debt in NY State Is it true that there is a set time for a collector to collect a debt and what is that amount of time? payday loan debt In Kentucky is it legal for payday loans companies call you at work in attempt to collect debt? My boss is not very happy about it and says that it is ... New fees and now a higher demand My son (age 18) was caught shoplifting last fall. The store did not press charges but told him that he would be contacted about restitution. The amount ... Hubby just stashes the bill! My dear Hubby has gotten himself into a real pickle. He has several hospital bills, ambulance, medicine, hernia operation, you name it, he's got it. But ... Making regular payments I can afford - Can they Send to Collections? I have a balance on an old apartment lease (broken lease 1 month rent) that I am making regular payments on of an amount I can afford as I am only one ... DEFAULT JUDGEMENT IF A CREDITOR GETS A DEFAULT JUDGMENT AGAINST YOU, AND THEY GARNISH YOUR WAGES, WHAT DETERMINES HOW MUCH THEY WILL GARNISH FROM EACH PAY PERIOD? PROCESS SERVER i received a settlement offer in the mail from a collector for a credit card. i also received a notice on my door from a process server regarding the ... i no longer work and i receive social security benefits I went to the emergency room last year.(I have no health insurance at the time i was seen and I told them that I still do not have any medical coverage ... What do I do if a debt collector is calling me on something I know nothing about? Recently a debt collector has been calling me about owing money to a phone company that I have never had business with. They are saying that I owe them ...
GARNISH BANK ACCOUNT
I have three kids i have child support from my ex husband i receive unemployment cant they garnished my account..? My taxes have be offset by owing sba loan How can i stop them from taking my tax return? Sent to collections Can I be sent to collections without receiving a statement of charges or being notified that if I do not pay my bill I will be sent to collections. Sued for a debt I had legal papers served 30 days ago trying to collect to collect money owed to me. How long do i wait before my next step? And could you tell me what ... Continuous calls to Family and Friends A specific debt collector continuously contacts my family and friends as early as 8am. I no longer live with them, haven't for years now, and, in fact,... Re: Already paid a debt but still being asked to pay it by creditors! Ok so I already paid in full a debt with a credit card that I no longer use and I am trying to paid that credit card off that was used to pay that debt ... Incorrect social security # submitted I live in Michigan. I have a third party garnishment in place for state tax refund creating offset. The debtor submitted the incorrect social sec #. Will ... Collection account abuse? A few years ago a law firm called to collect a debt from my husband and I. The individual whom my husband had spoken to intimidated him into provided our ... Stopped Check Fees The collection agency is trying to add $2300 or 3x the check amount in fees due to the fact the debt is a stopped payment on a check. I was told they ... GE money Bank We took a loan out from GE money bank (care credit) for $3000 in May 2009 for Chiropractic care. Within a month they started calling and demanding payment.... Personal tax forms A law office has a judgment on me that they haven't enforced yet. They send me a form every six months called a personal financial statement. Asking for ... calling time What are the calling times during a work week and can you call on Saturdays? Loan Servicer versus CollectionAgency If a third part servicer contacts you about a delinquent loan they are not lien holder on, do they have to send you a validation notice per FDCPA? If they ... Long Gone Account I received a bill from a debt collector, in regards to an account that I believe to be closed and paid off from almost 20 years ago. I have not received ... What assets can be taken by law in Pa My wife has large debts, but no assets other than our house. I have 2 pensions and a small IRA. Are any of these assets available to debt collectors? We ... Medical Debt Dispute I disputed ER treatment received at a baytown, tx. area hospital almost immediately following the questionable treatment. I had several conversations with ... Do Debt Collectors Need to be Bonded? I reside in a condo association. Our attorney has presented evidence of embezzling. lawyer illegally hired by board W/o owners voting for his hire is submitting ... Insults from Debt Collection Law Firm Did the lawyer have the right to refuse my payment plan after his paralegal had accepted the terms of my payment simply because I wanted to complain about ... Need Answers i have been running away from this problem but i know owe money and i want to start to paying it, but i dont know how much or who i have to pay it to.
Two different collection agencies/ Same debt
MICHIGAN jurisdiction. Chase Bank credit card. Law Firm sends pre-lawsuit information saying that their client is Equable Ascent Financial. North Carolina Utility bill In preparation for moving out of my old place I called and canceled my account with the gas company. Though I had all my mail forwarded I never received ... Wisconsin Collections Can credit cards or collection agencies take money from my social security acct or my IRA? Am I responsible if they FAIL to bill Medicare in a timely manner? In august of 2006 I had an outpatient surgery done for which I submitted the only insurance I have, Medicare both A & B, and I paid ALL bills I was aware ... Student loan debt harassment I am working with my student loan company on my small balances but it automatically went to a collection company - ASSET MANAGEMENT - when they first called ... SBA Guaranteed Loan Personal Debt The IRS kept my ta return and informed me that I owed federal debt from an SBA loan with a personal guarantee for my husband and my company ( i owned 10%... help if you see your name in the paper, about a collection that is taking you to court, should you already have a letter, before the newspaper has the information... Collection Calls How many times in a day can a credit card company call you to collect a debt?
College Student Confused About Handling Debt Collection and Striking a Deal
I am a college student who got in over his head. I know I made a mistake and now I have to deal with the consequences. How long can a creditor try to get you to repay? I'm wondering if there is a statute of limitations for debt collection, and if there is, how long is it in the state of Michigan? When Are Accounts Turned over to Collections? What is the time frame on a past due account balance before it's turned into collections? 30, 60, or 90 days? Old Employer Accidently Overpaid Me Now Demanding Repayment Threatening Collections My husband recently changed employers and after he left his previous employer we received a letter in the mail from them stating that they had accidentally ... Medical bill - Am I liable for attorney's fees without notice? I received ONE medical bill dated December 17 for $850 balance due after insurance had made their payment, but I didn't received the bill until sometime ... Medical Bills In Indiana, can a bill collector keep you on their records over 7 yrs? My husband had a bill I just found out about today from 12/10/2000 and today is ... Debt Collection Payment After a Judgment On 1/27/10 I paid a debt collector in full. On 1/29/10 I received a letter from the City Marshal that this debt was now in judgment. On 1/29/10 the debt ... Can i still get my money? Ive already filed my tax return...now i may not receive it because of student loans...can i do any thing to receive my tax return even if ive already filed ... Medical Debt, doctors office never submitted to insurance, turned to collections I had a surgery with a local physician. I incurred three different bills with that office. They submitted two of the bills to my insurance automatically.... Insurance Claim I have a medical claim that is in appeal with my insurance company. The doctor's told me that I am still responsible for paying the bill while it is in ... Annoying and Harassing Phone Calls from Debt Collector Due to loss of income, I have been unable to pay one of my credit card bills. The account has been turned over to a third party. I have been very honest ... Garnishing Federal Income Tax Returns I just found out recently a Collection company has a debt for a towing bill on a car I gave to someone years ago, it appears the title was not changed ... FORMER WIFE'S DEBT My wife and I were separated as of June 8, 2009 (as stated in our legal papers) and are in the middle of a divorce. She was involved in a car accident ... Unsubstantiated debt collection I am currently and continue to be harassed by a debt collection agency for an alleged unpaid account for XM Radio. I received a bill from XM Ratio notifying ... Creditor Phone Calls ,What to say? Due to divorce and loss of income, I am 4-6 months behind on my credit card payments. I have answered phone calls from creditors every 2-3 days. Why do ... Collection agency old debt I just received a letter from a collection agency trying to collect on a credit card debt from 1996. This was a case of identity theft and was resolved ...
MY TAX REFUND
CAN I prevent them from taking it? Collecting from a minor Can debt collectors collect debt that was made by someone you were married to as a minor? How can I stop the phone calls? I have written letters to my creditors asking them to make no further telephone contact with me but some of them continue to call. Some of them have even ... Reposession If you make a partial payment on a piece of equipment after 6 months. Can they still repossess it? Or does the acceptance of the payment save you from ... Chexsystems Inc My husband and I had a checking account 5 years ago and was closed for NSF. Needless to say, they reported to ChexSystems. Last month we tried to start ... served legal papers Can you be served legal papers at your job? Credit Card Debt I am self employed and have several credit cards with a debt totaling $80,000. I am considering bankruptcy. Can the personal and business credit be separated ... Old Debt How Long Do they try to collect a debt when you feel you don't owe it? Pay day loan question - TX I understand you cannot provide legal advice. Do you know what the laws are in TX for pay day loans? Can they sue civilly and/or criminally? I don't ... Which state's statute of limitations apply? My husband and I lived in CA for 20 years. Last Spring, we moved to IN. With respect to statutes of limitations on debt collection, which state's statutes ... Collection over settled debt I settled a credit card acct two years ago along with another account with the same creditor. The agreement was 12 monthly payments, which i made on both ... Do debts create problems to re-enter USA ? Hi:I had two very old debts to pay (1)phone bill (approximately $1500) and my apartment rent (approximately $2500) that i did not paid in 2001 in Virginia ... The Statue of Limitations I was contacted by NCO stating that they are collecting for an account that was well over 7 years old. Actually, the department store credit card account ... Stuck with debt, no support, and bad credit Hi Gerri, I have a very difficult situation my ex did a balance transfer from his accounts to my accounts and then he abandoned the home leaving me a single ... Debt settlement questions To make a long story short, I've been looking for permanent full time work for over a year. A former client finally paid me but with a bad check. I warned ... Doctors Bills and Debt Collection I am on disabilty and i have a bill with an office and they have turn to a collection agency. Are there any laws that keep them from putting this on my ... Double collectors? My bank accounts are frozen, when I called the bank to find out why, they gave me the number to a court officer, who told me that I had a judgment out ... How Can I Fix This? If i sold a car and it gets towed but did not contact txdot and a collection is in my name how do i fix this? And what can the debt collectors do and not ... Estate Debt of Deceased Person My father recently dies in June. I have informed all creditors that he had no estate; thus no funds for medical invoices. I did not have power of attorney,... Student Loan Cancellation I graduated from an online computer training school, and after getting a student loan for $28,000 I now owe $64,000 to Sallie Mae. I need to know what ... double collections Can the original creditor attempt to collect a debt that is already at a collection agency? Medical Debt that is not mine Hi there, a few years ago I noticed almost 10 medical accounts by the same collection agency on my credit report. I disputed them on my credit report and ... Collectors Coming to My Home Just wanted to know if a debt collector coming to your home is considered harassment. Also along with that, had a text from someone I didn't know who ... Business Debt I have a small business credit card with $20,000.00 debt on it. At this time it is over 90 days past due. Up until that time I paid on time and the amount ... Is my home that I own at risk if I can't pay off credit card dept ? I have been out of work for some time now and will be unable to pay credit card bills,my only source of income is my 30% V.A. disability checks each month ... Settle a Debt I've been paying on an old credit card debt which originally was $1,000 I've paid well over $5,000 because I was given bad advice by a so called credit ...
Debt Collection on a Private Student Loan
My wife and I cosigned on a student loan for my son and it has went into default. Presumed Collection Debt I received a phone call at home telling me I owed a payday loan company back from 2004. Apparently it's a loan that I did online for 1000 dollars. They ...
Medical Debt/Judgement
Here is how it all happened. Tell me if any of this is legal. Judgement I have a judgment against me with out no notification all i receive is an execution note from the marshall and I paying monthly. What can I do? Credit Check i have some accounts that are over 8 years old they are with one agency the agency has informed me that they would continue to run my social security umber ... Title for payment. If I purchase a motorcycle through a "credit card" program and default, how do I get the title for the motorcycle once I have paid the third party collection ... Medical Debt Does the debt collector have a right to put a judgment against you when you are making payments to them. Also, put it on your credit report and charge ... Consumer Debt Rights in Arizona Just wondering what type of consumer protection rights are available in Arizona. About 14 months ago we defaulted on all our credit cards and returned ... Collection attempts for a debt included in a bankruptcy in 1988 We are getting bothered by phone and letters by a company trying to collect a debt that was included in a bankruptcy that was discharged in 1988. Please ... How can I deal with the harrassment? I would like to know how I can deal with the collectors harassment when I am trying to pay my debt? Collection on Credit Report I have a medical bill that was forwarded to West Asset Management (collection agency). I sent a letter advising them I was dealing with the medical provider ...
Can a lawyer garnish a bank account?
I was sued over a house scam I got involved in, and i was ordered to pay $1100.00. The other party received the judgment for that amount. Really old debt I was unable to pay a credit card debt about 15 years ago & it was turned into collections.I did not respond to them because I had no money or a job. It ... Settling Debt We have settled all credit card judgments except one, in my husband's name. My husband and I are both on disability. The house is in my name and two cars ... Hospital Bill went to Debt Collector for over 5,000.00 A behavioral agency sent to a hospital out of state when I was under 18 years of age. The hospital did not accept either of my insurances. The hospital ... Texas Law on SSI and Judgments I live in tx and am on ssi income for disability. I have a creditor harassing me. The debt is $2300 and i have tried to get assistance with debt payment....
Why Pay Collections Off?
Why would you pay off an old debt if it is about to be removed from your credit reports? Credit Card Debt Between cancer and two heart attacks (4 years ago), I live on strictly S/S , one from Canada and one U.S.A. I am 70 years of age. They both total less ... My USA Debtor is Missing, What Should I Do? I am a native Chinese, and being owed over USD 80000 by a USA company, but now they disconnected the phone, and refused to give me any reply for my email.... bank owed debts that were for fraud but denied Do I have to pay back a debt that was originally owed to a bank that the bank denied for fraud? Is there anyway to appeal this so I don't have to pay? The ... Help I am in huge debt with credit cards and loans Hi: I have been getting every 1/2 hour, Monday to Saturday phone calls from collection agencies. Previously I had worked a few ways to pay them back. But ... What to do when I do not own the car any more? I bought a car which cost me some where between 11 to 13,000 thousand dollars. I was making the payment all right then came all of the sudden to a dead ... Is this Legal? I have fallen behind on my debts and have begun trying to repay them as I can. I had a collection agency that said the were a law firm contact me for a ... Payoff Is it better to pay off an old account in full or to settle the account for a discounted price? In the Military, Can They Take My Pay? I am in the army and currently in Afghanistan and want be back to the states til summer 2010. My question is this. My loving wife is refusing to deal with ... Debt collectors lawsuit What happens if I don't have the money for a lawyer to represent me in this lawsuit? How much should I settle for? I first became late with a Dell Financial payment in 2005 I believe. I did pay sporadically after that. Unfortunately, I am a stubborn person, the computer ... Which book of yours is best? I found this book of yours on Amazon: "Stop Debt Collectors"; and then this e-book "Debt Collection Answers" when I went looking for the answers I seek....
Loan taken from CITIBANK in INDIA
I have taken a personal loan from CITI BANK INDIA and paid half of the loan. After that I have come to USA and working here on H1B. NCO offer nco says they will settle an American Express bill for 10 percent of what i owe....can they do this? Payment How do I make an online payment? Collectors call about the bill I didn't know Hi - Today I got the call about the ambulance bill I didn't know I had. I just came to USA at that time, I had travelers insurance and I got to emergency ... Hospital biling department's mistake submiting claim to my insurance cost me collection on my credit report After checking my credit report I found collection for medical bills (service was done 2007). I have insurance and it pays 100%. Hospital never send me ... Payday Debt Collection Well I have some questions concerning mistakes I have made using payday loans, I was not able to get out of what I have gotten in and now I get calls from ...
Enforcement after Judgment
What information and documents must I as the debtor answer and provide when I am questioned by a lawyer for the creditor? Where can I find a lawyer that will help me in negotiating my debt? I recently purchased your book and and helping a family member that has been contacted by debt collectors. Where can I find a lawyer that offers help with ... Debt collection after foreclosure and sale I received a letter from a debt collector in regards to a large remaining balance from our home foreclosure sale (over $100k). This year I claimed close ... Debt collection, unable to pay i am 74 yrs old and have only Social Security as income, i live with my daughter, and have no property. i send them what i can and they are going to send ...
Ambulance Debt Lawsuit, Fraud?
Hello, Bottom line? I have a collection agency trying to settle debt for me over a credit card. They state the most they can take off for a settlement offer is 15% and that ... Medical debt in NC In 2004 I was involved in an auto accident and it was settled in 2006. I had an unpaid balance to an orthopedic doctor apparently, but also had health ...
The Mount Airy news
So you want to help me get out of debt with tips and insight...... Great.... High odds of debt odds of lawsuit? If u have high debt is there a certain amount of time that i have to settle this debt before the creditor threaten me with a lawsuit? Can this happen with ... PARAGON WAY Paragon way keeps calling me at least 5 times a day (including weekends). They are trying to collect on an old credit card debt that is more than the ... student loans can a student loan that has gone to collections. can i still get another student loan? Debt Collection after a judgement of property lien. An auto loan went to collections, then to law office. The judgment was a lien on my home. This was 3 months ago. Now they are calling to get the money.... Should I pay a collection account? What is the statute of limitations for reporting a collection account? Why pay a collection account if it won't help your credit? Small collection account I thought I paid a department store debt in full. I was never advised and it went to collections. When I got my free credit report I found out about this ... How do I collect on a promissory note? I loaned 5k to a neighbor. I have a promissory note with their company stock pledged as collateral. The terms of the loan expired, now, they don't feel ... Arizona Federal Credit Union I approached AZFCU in April 2007 seeking to refinance a very high interest rate loan (predatory lender) Accredited Home Lenders. AZFCU rep told me that ... Debt Collectors Calling for Old Accounts I have just been contacted by to companies for debt that is from 98 I know the accounts are older than the seven year date. Do I need to respond to the ... Can I be forced to get a job, can my wife's money in my account be taken? My wife is mentally ill and on disability, she has severe bi-polar disease. Several years ago while manic, she charged up a lot of money on a credit card ... Wrong Telephone Numbers NCO keeps calling my house and now my husbands cell phone looking for someone that we are not and do not know. When asked to remove our numbers several ... IRA Matters I have a lot of credit card debt. I am disabled and can't work anymore. Can a credit card company take money out of an IRA to pay for the debt?
Collection agency question
Is it legal for a collection notice to suggest you contact an attorney? My first notice did.
Blindsided by the card companies
...that won't lower interest rates and are resorting to breaking up homes. Collection on a phone bill Had a phone that was disconnected. Paid the bill. Never heard a word. Now after 4 years they have put me in collections and say I owe the bill. What ... Debit Collection Hi I live in California and I have a debit collector trying to collect on an old back acct. It's been 3 plus years old this debit. I had said would start ... FDCPA Violations Who may sue professional debt collectors for injuries caused by FDCPA violations? Length of time to collect Is there a limit on the number of years that an entity has in order to collect a debt? I've been told it's 3 years. JUDGEMENT I got a judgment order from a Debt collector lawyer I was never served any papers now, when I requested the papers from the Court I see that they say that ... Can debt collection agencies sell your info to a law firm? Can a debt collection agency sell your info to a law firm in the state that you live in? That law firm acquires the debt and they win a judgment against ... Harassment Can a debt collector call me five times a days even if I have talked with them already? I haven't received a letter from them (NCO) and on my caller id ... Can she go to jail or lose her home to debt collectors? I am helping an elderly woman who only has $23 a month in disposable income after expenses. She has about $40,000 in credit card debt. She cannot afford ... What to do after an account is charged off? The original debt has been charged off but I have not been contacted by mail. What happens if you do not take a settlement offer? What happens if you continually ... Lawyers If I'm a bill collector whats the best way to go about speaking with a debtors attorney? Car Towed: What are my Rights? I had my car towed away from a public parking because it didn't have tags and they kept the car and now are charging me for time it was in there and the ... How to confirm if an alleged debt claim is correct. NCO Financial sent me a vague document requesting payment of $6k for a debt they had purchased. I sent a letter requesting verification of debt and any ... Can Debt Collectors Get My Social Security Check? I would like to know if debt collectors can get to my Social Security check. It is direct deposited. Is it protected because it is a government check? I ... Can NCO collections look at my credit report? My question is--- I was recently contacted by this company though a verification letter and phone call. When this agency called , I informed them i have ... How long can accounts be reported? One of the items on my credit report lists a Capital one credit card debt from 2000 that i thought would have been erased from my report about two years ... Court order/judgment I have a judgment against me. What information should i not give out in the court order JUDGMENT? Asking for Social Security + Bank account info. I bought ... What to do when you have already given out too much information? Today someone contacted me on my job about a debt that I do owe. I gave the young lady some of my financial information such as my monthly salary and ... Debt collector won't work with me I've been out of work for 4 years now due to me being disabled. My only source of income is SSI & Social Security Disability. And from what I understand,... Late fees on collections? Can an original creditor continue to charge late fees and interest once they submit to a collection agency?
Debt collection after foreclosure
...and cancellation of debt from April 2006
Charged off Debt
I wish I could say I had some $$ to buy/read your book but I have none. I hope you will be gracious enough to answer this for me. Judgement A creditor recently obtained a judgment against me. My only income is Social Security and a pension from state govt. I do have a house which has a mortgage ... Providing Personal Information I know that there is certain personal information that I do not have to provide to debt collectors, but do I have to give them my salary and living expenses ... Paying back owed debt I've recently been contacted by a person claiming to be Rogers Wireless records department. When I searched the number online I have found it actually ... I have already given my permission to withdraw from my checking account I was contacted by a law office (collection lawyer), about a $10,000 bill from a Bank Credit Card. When I became unemployed I could not pay it. In 2007 ... Cable Bill Collections I received a phone call today saying that I was sent debt collections so I called Comcast and paid the bill. Will it still show up on my credit report?...
Can a credit card company take my life insurance?
Can a credit card company take the cash value of my life insurance policy if I can't pay them?
Overcharge on Repossession
My Suzuki was repossessed and sold for $1,414.00
Can Debt Collector On Behalf Of Medical Offfice
...Place their Name On My credit Report AS a Creditor as soon as it receives the bill, then start contacting Me??? Can Debt Collector Take my Truck? i am disabled and have an income of $800 a month. i have nothing left but my truck worth about 12.000 and is paid for. I am being sued for about 3.000 ... Wage Garnishment Who has the legal right to garnish wages. Collection Agency Calling Neighbors I have a beastly collection agency that just recently called my neighbor and asked if she knew me, and to let me know they called her, and it was urgent ... What is the debt collection law? Is it legal for a debt collector to contact you at your place of business or for them to contact your employer? Also, who has the legal ability to garnish ... Has statute of limitations run out? i have an old bill from a providian credit card. not sure of when i applied for it, but last activity, was 4 years and 3 months ago. I live in Ohio, so ... Is it my bill? While me and my wife were still legally married she had made some medical bills. we got a divorce she filed bankruptcy on medical bills but now i am having ... Old debt written off I have an old debt from Providian that was written off by the creditor several years ago. I had even forgot about it until Sunday March 29, 2009 I was ... Adult son's medical costs My son is currently 21 years old. He spent 2.5 years after college working and is now a full time college student. He is now back on my health insurance.... Unpaid Student Loan Debt I attended Central Michigan University from '97-'00. In this time I received student loans. How do I find out the exact amounts I received and the date ... Legitimate collector?? A company by the name of Paystar has been calling me about old car loan debt saying that they now own the debt, but the original car finance company still ... APR Jack up I have this credit card for 3 years. The APR have been between 9 to 11% for the whole 3 years. I have $2200.00 on the card now and have been paying about ... Medical Debt How long does a medical debt unpaid stay on my credit report in the state of NC. I have a medical debt that was turned over to a collection agency in 2005 ... Student Loans Crisis My wife has enormous student loan debt, across a few lenders, but she has been unable to find permanent work since graduating more than 3 years ago, other ... Collectors Phone Calls to Friends A friend of mine that I share a phone plan with received a call from a credit card bank about a past due account in my name. Do they have the ability ...
Which State Governs My Rights With Debt Collectors?
i took out a credit card 1999 in vermont. Due to the loss of my job, I did not make a payment on it since 7/2003 when i lived in vermont. Collectors Calling the Wrong Number We get 10 to 15 call's per day for a lady that has never lived here and we don't know. What can we do? Statute of Limitations for Debt In the state of Florida how old does a debt have to be before it is considered too old for collection? Can Veterans Pensions Be Garnished? Can a retired navy person who get a pension have it garnisheed? Payment Arrangements I live in Tennessee, I have a collector that I am behind on about 10 months, but I have been trying to pay what ever I can. He made an arrangement for ... Can I cancel an agreed payment? I have been getting calls from a debt collector for a couple of weeks. I finally called back, not really understanding who they were at the time and then ...
Creditor sending debt to collections without knowing that it was owed
a company sent a debt to collections and never told me i owed it. I just receive a letter from collection an was unaware of this. Pass Debt My ex-boyfriend and I had a credit card in both our names. When we broke-up I agreed to pay-off the balance and when it was paid off, he agreed to close ... bankruptcy judgement In 1991 I had a bankruptcy judgment for a loan at Kays jewelry. It was never paid. This was in California. I now live in PA and am being pursued by ... Auto Repossesion What is the quick and dirty regarding a car repo? A vehicle was repo'd over 12 years ago when I was married. The vehicle was hers but the auto was in ... DISABLED PERSON HAS BANK ACCOUNT FROZEN IN ALBERTA Can a collection agency freeze my bank account that my AISH check was just deposited into without any warning or notice or anything? It was stated to ... Late Fees I have a debt that I have not paid for a full year can the debt collector charge be a 10% late fee of my balance? In doing this the debt collector is charge ... life lease I have a life lease on my home. Can an unsecured creditor gain a judgment against me and take my home? Automatic dailer What states are automatic dialing prohibited? Debt Buyers suing in the name of the creditor, legal? I'm wondering why a debt collector, who buys the defaulted (charged off) debt from the creditor for pennies on the dollar, can say he is collecting this ... Find answers to your debt collection questions in our e-book!
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