http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html Our debt collection blog keeps you updated with new information about dealing with debt collectors, and answers to your debt collection questions. en-us debt collection laws Fri, 30 Jul 2010 03:00:22 GMT Fri, 30 Jul 2010 03:00:22 GMT debtcollectionanswers.com http://www.debtcollectionanswers.com/debt-collection-answers-intro.html Debt Collection Answers Intro offers the free ebook to help you stop debt collector harassment Fri, 30 Jul 2010 02:00:45 GMT http://www.debtcollectionanswers.com/creditor-sending-debt-to-collections-without-knowing-that-it-was-owed.html 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. Can a company send Thu, 29 Jul 2010 22:55:34 GMT http://www.debtcollectionanswers.com/bankruptcy-judgement.html 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 Thu, 29 Jul 2010 14:16:36 GMT http://www.debtcollectionanswers.com/time-share.html 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? Wed, 28 Jul 2010 17:31:04 GMT http://www.debtcollectionanswers.com/threat-to-garnish-if-i-do-not-agree-to-autromatic-payments.html 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 Wed, 28 Jul 2010 16:43:22 GMT http://www.debtcollectionanswers.com/how.html i filed bankrupsy on a motorcycle and was granted now they are after my cosigner what can i d Wed, 28 Jul 2010 16:34:20 GMT http://www.debtcollectionanswers.com/towed-cars-debt.html 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 Wed, 28 Jul 2010 16:07:57 GMT http://www.debtcollectionanswers.com/my-husbands-unpaid-medical-bills.html 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 Wed, 28 Jul 2010 15:44:43 GMT http://www.debtcollectionanswers.com/personal-guarantee-of-business-loan.html 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, Tue, 27 Jul 2010 19:17:20 GMT http://www.debtcollectionanswers.com/freeze-a-bank-account.html in mo. can they freeze a joint bank account if only one person is responsable for the debi Tue, 27 Jul 2010 19:07:37 GMT http://www.debtcollectionanswers.com/long-ago-debt1.html 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 Tue, 27 Jul 2010 18:11:18 GMT http://www.debtcollectionanswers.com/bank-account1.html 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 Tue, 27 Jul 2010 17:52:01 GMT http://www.debtcollectionanswers.com/do-i-owe-for-my-daughters-medical-bills-if-i-didnt-sign-them.html 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 Mon, 26 Jul 2010 16:37:28 GMT http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html#Writer-lives-in-a-different-debt-collection-reality This article about how unfair the Fair Debt Collection Practices Act is to debt collectors made me laugh out loud this morning. Does the author live on the same planet I do?? It seems obvious that she has not read the recent reports on debt collector abuses just released by the FTC and the National Consumer Law Center; she must be totally unaware of the ever-increasing number of complaints being filed by consumers with the FTC because debt collectors have run rough shod over their legal rights; and she must not have read any of the countless questions we receive at this web site from consumers who are struggling to deal with debt collectors. Most of these consumers have fallen behind on their debts because of job loss, high medical bills or other difficult life situations, not because they decided to live the high life and can't afford to pay their debts now. It is becoming clearer and clearer that the FDCPA needs strengthening, not weakening as it seems the writer would like. Mon, 26 Jul 2010 15:54:35 GMT http://www.debtcollectionanswers.com/financial-aid.html 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 Sun, 25 Jul 2010 11:22:19 GMT http://www.debtcollectionanswers.com/over-10-year-old-debt.html 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 Sun, 25 Jul 2010 10:59:12 GMT http://www.debtcollectionanswers.com/unsecured-loans-to-young-college-student.html 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. Sun, 25 Jul 2010 10:43:09 GMT http://www.debtcollectionanswers.com/continued-collection-attempts-after-agreement-is-made.html 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 Fri, 23 Jul 2010 20:11:08 GMT http://www.debtcollectionanswers.com/buried-in-debt-from-credit-cards-obtained-while-young-and-naive.html 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 Fri, 23 Jul 2010 15:12:56 GMT http://www.debtcollectionanswers.com/wage-garnishment-six-years-ny.html Can a bank garnish your wages after 6 years in NY State Fri, 23 Jul 2010 15:10:40 GMT http://www.debtcollectionanswers.com/pass-debt1.html 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 Thu, 22 Jul 2010 22:35:42 GMT http://www.debtcollectionanswers.com/firing-collectors.html Do I as a consumer, have the right to get rid of a debt collector and deal only with the original creditor Thu, 22 Jul 2010 21:22:21 GMT http://www.debtcollectionanswers.com/debit-collection1.html 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 Thu, 22 Jul 2010 20:22:44 GMT http://www.debtcollectionanswers.com/time-limits.html How long does a creditor have to take action against a debt. Wed, 21 Jul 2010 21:20:53 GMT http://www.debtcollectionanswers.com/giving-personal-information.html Hello, The debt collection ompany I'm dealing with want to: -Take a financial statement, including where I bank, names and numbers for two personal contacts Wed, 21 Jul 2010 21:19:38 GMT http://www.debtcollectionanswers.com/how-can-i-get-a-collection-agency-to-send-me-a-bill.html 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 Wed, 21 Jul 2010 20:31:12 GMT http://www.debtcollectionanswers.com/statute-of-limitation-in-colorado-and-medical-debt.html 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 Tue, 20 Jul 2010 19:20:28 GMT http://www.debtcollectionanswers.com/last-activity-date.html 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. Tue, 20 Jul 2010 18:18:10 GMT http://www.debtcollectionanswers.com/negotiating-a-settlement-on-a-debt-with-debt-collectors.html 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 Tue, 20 Jul 2010 17:22:49 GMT http://www.debtcollectionanswers.com/auto-repossesion.html 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 Tue, 20 Jul 2010 15:46:53 GMT http://www.debtcollectionanswers.com/debt-collector-trying-to-take-me-to-court-for-debt-that-is-beyond-illinois-statute-of-limitations-and-i-had-removed-previously.html Hello, I have an old chase card account that is more than 8 or 9 years old and I recently received a summons by the company Asset Acceptance for this Tue, 20 Jul 2010 15:03:46 GMT http://www.debtcollectionanswers.com/credit-reporting.html Is there a requirement that a patient be notified before an account is sent to collections or reported to the credit bureaus Tue, 20 Jul 2010 14:17:53 GMT http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html#NCLC-Issues-Scathing-Report-on-Debt-Collection-Industry Last week was a bad week for the debt collection industry. It ended with the release of a scathing new report by the the National Consumer Law Center, "The Debt Machine: How the Collection Industry Hounds Consumers and Overwhelms the Courts. " Well-documented and compelling, the report makes a strong case for the need for reform of the federal Fair Debt Collection Practices Act and suggests a series of specific changes to that law. It's defintely worth a read. The NCLC's report came on the heels of the FTC's own report on the debt collection industry. That report is highly critical of debt collectors and creditors who use the court process or arbitration to try to collect consumer debts, and it calls for a series of specific reforms to make the collection process fairer for consumers. Mon, 19 Jul 2010 16:45:44 GMT http://www.debtcollectionanswers.com/husbands-past.html 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. Mon, 19 Jul 2010 15:45:56 GMT http://www.debtcollectionanswers.com/lawsuit.html 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 Mon, 19 Jul 2010 14:50:35 GMT http://www.debtcollectionanswers.com/debt-collectors1.html CAN A DEBT COLLECTOR TAKE MY CAR Thu, 15 Jul 2010 17:07:08 GMT http://www.debtcollectionanswers.com/collecting-debt-for-retired-physician.html 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 Thu, 15 Jul 2010 16:33:25 GMT http://www.debtcollectionanswers.com/zombie-debt-collection.html 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 Thu, 15 Jul 2010 16:25:41 GMT http://www.debtcollectionanswers.com/collecting-from-disabled-person.html Can collection agency call disabled person and collect debt Wed, 14 Jul 2010 18:58:57 GMT http://www.debtcollectionanswers.com/purchase-of-bank-judgement.html 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 Wed, 14 Jul 2010 18:20:07 GMT http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html#New-FTC-Report-Critical-of-Debt-Collection-Litigation-Process This week, the Federal Trade Commission (FTC) released a report entitled "Protecting Consumers in Debt Collection Litigation and Arbitration." The report is highly critical of debt collectors and creditors who use the court process or arbitration to try to collect consumer debts. In short, the report concludes: "The system for resolving disputes about consumer debts is broken." The report also details a series of significant reforms it wants the federal as well as state governments to implement in order to make debt collection litigation and arbitration more fair to consumers and more efficient. Wed, 14 Jul 2010 15:04:17 GMT http://www.debtcollectionanswers.com/how-do-i-fight-the-total-amount-asked-for-me-to-pay.html 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 Tue, 13 Jul 2010 20:49:12 GMT http://www.debtcollectionanswers.com/title-loan-repossesion1.html 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 Tue, 13 Jul 2010 20:39:40 GMT http://www.debtcollectionanswers.com/possble-lawsuit-filed-by-credit-card-company.html 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 Tue, 13 Jul 2010 19:33:27 GMT http://www.debtcollectionanswers.com/dept-collection-from-roth-ira.html Can the IRS collect tax debt from IRA (Roth)or any other retirement account that has matured for the past 5 years or more Tue, 13 Jul 2010 19:04:04 GMT http://www.debtcollectionanswers.com/general-contractor-hired-collection-agency.html 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 Tue, 13 Jul 2010 18:25:11 GMT http://www.debtcollectionanswers.com/nco-financial-systems-claiming-information-was-not-received.html 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. Tue, 13 Jul 2010 16:01:05 GMT http://www.debtcollectionanswers.com/trailit-trailers.html Having over the past 10 yrs loaned over $110,000 to this Mother and son company we can not get them to pay it back. Phone calls not returned, every excuse Tue, 13 Jul 2010 02:56:07 GMT http://www.debtcollectionanswers.com/can-government-garnish-for-back-taxes.html Can the irs garnishee Social Security or government pension for back taxes they claim you owe Fri, 09 Jul 2010 15:44:02 GMT http://www.debtcollectionanswers.com/Arrested-For-Debt.html Is a collector saying you'll be arrested for debt that you owe if you can't pay it? Consumer advocates warn about jail and debt and help you understand your options. Tue, 06 Jul 2010 18:37:21 GMT