Home
Blog
Free Worksheet
Q & A
Our Book
Buy Now
Foreclosure
Alerts
Negotiation
Articles
Statistics
Testimonials
Your Stories
Newsroom
The Authors
Privacy Policy
Partners
 

Debt Collection Questions?

Let us help you find answers to your questions for free


Use the form below to submit your debt collection questions and we will answer as soon as possible. Need an answer right away? We recommend two things:

1. Read our e-book Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. It will answer many of your questions and alert you to rights you may not even know you have! Read the entire first chapter online here for free.

2. If you cannot order the ebook for some reason, we are happy to answer your question. Just keep in mind that questions from those who read the ebook get first priority.

What Is Your Question About Debt Collectors?

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.

We are not attorneys and do not provide legal advice. If you need immediate help call the Collection Complaint Hotline now - it's free! Call 888-711-5143.

Enter A Title For Your Question

Debt Collection Questions and Our Answers

Click below to see questions from other visitors to this page...

Both parents are deceased.  ..Dad 2 yrs ago and Mom 5 yrs ago.-harassing collection calls for their debt.

A third part collection agency 'TOTAL CREDIT RECOVERY LTD.' has been incessantly ...

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?

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..?

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 ...

Debt That Is Not Mine In Collections  I have recently discovered that I have large amounts of debt (thousands of dollars) on my credit report that are not mine and that has been sent to collection ...

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.

Telephone ...

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 ...

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.

I raked up about $6000 of credit ...

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 ...

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.

It has been turned over to a collection agency.

My son cannot ...

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.

I had a very old medical bill that I didn't even know that i had. I got served court papers ...

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.

Since then ...

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?

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.

Other day, I got ...

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?

What information and documents ...

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,
My question requires some background so I will try to be as concise as possible. First please know I have no issues with paying debt I owe, however ...

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....

One major problem.... I will have to use a credit card to purchase your ...

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 ...

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.
My second notice states I have NOT been cooperating with ...

Blindsided by the card companies  ...that won't lower interest rates and are resorting to breaking up homes.

I have been trying to negotiate with my credit card companies for a lower ...

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

I have been contacted by a law firm demanding over $27,500 from a company I never heard of. From the information ...

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.

We just had our first ...

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
Now I have a notice of collateral and deficiency balance due of sale to a Company Resurgent Capital Service ...

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???

I disagreed with the charge for services ...

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.

An atty's ...

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 ...

Collection on business accounts  Can collections seize business account funds?

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 ...

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%...

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 ...

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 ...

student loans  can a student loan that has gone to collections. can i still get another student loan?


Find answers to your debt collection questions in our e-book!

Learn how debt collection laws can protect your rights!


footer for debt collection questions page