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   <title>Debt Collection Blog</title>
   <link>http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html</link>
   <description>Our debt collection blog keeps you updated with new information about dealing with debt collectors, and answers to your debt collection questions.</description>
   <language>en-us</language>
   <category domain = "http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html#">debt collection laws</category>
   <pubDate>Sat, 04 Feb 2012 12:44:10 GMT</pubDate>
   <lastBuildDate>Sat, 04 Feb 2012 12:44:10 GMT</lastBuildDate>
   <copyright>debtcollectionanswers.com</copyright>
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    <title>Feb 4, Medical garnish?</title>
    <link>http://www.debtcollectionanswers.com/medical-garnish.html</link>
    <description>Can they garnish medical bill in nevada</description>
    <pubDate>Sat, 04 Feb 2012 12:44:08 GMT</pubDate>
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    <title>Feb 4, How does my son stop collection agencies and get medical debt forgiven?</title>
    <link>http://www.debtcollectionanswers.com/how-does-my-son-stop-collection-agencies-and-get-medical-debt-forgiven.html</link>
    <description>My son has no medical insurance.  He has been a student off and on and his employment has been as a cook.  He has education loans, no vehicle, and rents</description>
    <pubDate>Sat, 04 Feb 2012 12:30:28 GMT</pubDate>
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    <title>Feb 4, collection bureau of the hudson valley</title>
    <link>http://www.debtcollectionanswers.com/collection-bureau-of-the-hudson-valley.html</link>
    <description>they wont stop calling my house even after i told them not too numerous times. they keep saying oh well it must be different people calling for the same</description>
    <pubDate>Sat, 04 Feb 2012 12:19:02 GMT</pubDate>
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    <title>Feb 4, portfolio recovery</title>
    <link>http://www.debtcollectionanswers.com/portfolio-recovery3.html</link>
    <description>The company (based in Virginia) has been harrassing me for the past 7+ yrs for a debt incurred in 199?. Despite repeated requests to furnish me with details</description>
    <pubDate>Sat, 04 Feb 2012 11:56:02 GMT</pubDate>
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    <title>Feb 4, HSS COLLECTION AGENCY</title>
    <link>http://www.debtcollectionanswers.com/hss-collection-agency.html</link>
    <description>  My husband is receiving letters and bills from HSS COLLECTION AGENCY in Cliffside Park, NJ 09010.The name on the bill is correct but they have the wrong</description>
    <pubDate>Sat, 04 Feb 2012 11:33:04 GMT</pubDate>
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    <title>Jan 31, civil orders</title>
    <link>http://www.debtcollectionanswers.com/civil-orders.html</link>
    <description>If your court ordered to pay a civil debt can you file for bankruptcy and no longer have to pay that civil orde</description>
    <pubDate>Tue, 31 Jan 2012 13:00:31 GMT</pubDate>
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    <title>Jan 31, Still pay bill after receiving summons for small claims?</title>
    <link>http://www.debtcollectionanswers.com/still-pay-bill-after-receiving-summons-for-small-claims.html</link>
    <description>I just received a summons for a court date for small claims court (I'm in CA) for the end of January. This was for a personal loan, and I am only 2 months</description>
    <pubDate>Tue, 31 Jan 2012 12:45:01 GMT</pubDate>
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    <title>Jan 31, Can Interest Still Be Charged?</title>
    <link>http://www.debtcollectionanswers.com/can-interest-still-be-charged.html</link>
    <description>I moved to New Mexico from Colorado. I received a debt collection letter from a lawyer in Colorado with an old debt of mine from 2/2008 for $5558.37 from</description>
    <pubDate>Tue, 31 Jan 2012 11:14:24 GMT</pubDate>
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    <title>Jan 31, judgements being taken from bank account</title>
    <link>http://www.debtcollectionanswers.com/judgements-being-taken-from-bank-account.html</link>
    <description>My ex wife apparently owes 4000 to capital one and they have obtained a judgement and are attaching her bank account for all of her money. We have 3 kids,</description>
    <pubDate>Tue, 31 Jan 2012 10:48:45 GMT</pubDate>
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    <title>Jan 31, 20 yr. old daughters medical debt.</title>
    <link>http://www.debtcollectionanswers.com/20-yr-old-daughters-medical-debt.html</link>
    <description>My daughter a 20 yr. old college student, has a $1500.00 medical debt. She had insurance through the school, they didn't pay this portion of the bill.</description>
    <pubDate>Tue, 31 Jan 2012 01:21:52 GMT</pubDate>
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    <title>Jan 31, Date of service for medical bills </title>
    <link>http://www.debtcollectionanswers.com/date-of-service-for-medical-bills.html</link>
    <description>How can I find out the dates of the medical services I am in debt for that is in the hands of a collection agency? I tried calling the hospital but they</description>
    <pubDate>Tue, 31 Jan 2012 01:18:28 GMT</pubDate>
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    <title>Jan 30, Free Debt Settlement Advice</title>
    <link>http://www.debtcollectionanswers.com/free-debt-settlement-advice.html</link>
    <description>This podcast features free debt settlement advice. Talk Credit Radio host Gerri Detweiler interviews a debt negotiation expert who shares how debt settlement</description>
    <pubDate>Mon, 30 Jan 2012 21:25:28 GMT</pubDate>
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    <title>Jan 30, Asset Acceptance</title>
    <link>http://www.debtcollectionanswers.com/Asset-Acceptance.html</link>
    <description>Is Asset Acceptance trying to collect a debt from you? Learn more about this top collection agency and share your questions or complaints.</description>
    <pubDate>Mon, 30 Jan 2012 16:51:20 GMT</pubDate>
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    <title>Jan 30, Being sued  by  a  debt  collector</title>
    <link>http://www.debtcollectionanswers.com/being-sued-by-a-debt-collector.html</link>
    <description>Hi,  I'm being sued  by a debt collector.  My only income  is SSD  and child support which I believe according to  federal and state law they cannot take.</description>
    <pubDate>Mon, 30 Jan 2012 11:06:02 GMT</pubDate>
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    <title>Jan 30, elderly woman with debt</title>
    <link>http://www.debtcollectionanswers.com/elderly-woman-with-debt.html</link>
    <description>A 78 old women owes around 8000 to a credit card that is now in the hands of a so called law firm debt collector. The account was opened in 2004 it went</description>
    <pubDate>Mon, 30 Jan 2012 10:33:42 GMT</pubDate>
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    <title>Jan 25, More People Preparing to Eat Dog Food in Retirement</title>
    <link>http://www.debtcollectionanswers.com/more-people-preparing-to-eat-dog-food-in-retirement.html</link>
    <description>To make it through tough times more Americans have borrowed, stolen or raided their small retirement funds to make ends meet.  Loans from retirement funds</description>
    <pubDate>Wed, 25 Jan 2012 22:15:39 GMT</pubDate>
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    <title>Jan 24, Free Legal Advice Debt Collection</title>
    <link>http://www.debtcollectionanswers.com/free-legal-advice-debt-collection.html</link>
    <description>Do you need free legal advice debt collection harassment or other problems? Consumer advocates explain how to get the help you need to solve your problems with debt collectors.</description>
    <pubDate>Tue, 24 Jan 2012 18:01:03 GMT</pubDate>
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    <title>Jan 24, Debt Collection Lawsuit</title>
    <link>http://www.debtcollectionanswers.com/debt-collection-lawsuit.html</link>
    <description>Facing a debt collection lawsuit? Consumer advocates help explain your rights if you are being sued for a debt</description>
    <pubDate>Tue, 24 Jan 2012 17:07:15 GMT</pubDate>
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    <title>Jan 24, Bankruptcy Attorney</title>
    <link>http://www.debtcollectionanswers.com/bankruptcy-attorney.html</link>
    <description>A bankruptcy attorney may be able to help if you are dealing with debt collectors. Consumer advocates explain how. </description>
    <pubDate>Tue, 24 Jan 2012 16:30:32 GMT</pubDate>
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    <title>Jan 24, 80 year old mother may lose home in bankruptcy case</title>
    <link>http://www.debtcollectionanswers.com/80-year-old-mother-may-lose-home-in-bankruptcy-case.html</link>
    <description>How can we prevent my mother from losing her home in a Chapter 7 bankruptcy case she will be going through soon?  She has a $61,000 home equity loan that</description>
    <pubDate>Tue, 24 Jan 2012 12:08:50 GMT</pubDate>
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    <title>Jan 24, insurance direct payment plan error</title>
    <link>http://www.debtcollectionanswers.com/insurance-direct-payment-plan-error.html</link>
    <description>when i purchased my auto insurance policy, i decided to use the monthly automatic payment plan. in that plan i supplied AMICA with my bank account information</description>
    <pubDate>Tue, 24 Jan 2012 12:04:24 GMT</pubDate>
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    <title>Jan 24, Payments being made to original company, debt collector calling yet</title>
    <link>http://www.debtcollectionanswers.com/payments-being-made-to-original-company-debt-collector-calling-yet.html</link>
    <description>My husband is having weekly payments for training he received being deducted from his pay.  The company he works for is very reputable, and I have no doubt</description>
    <pubDate>Tue, 24 Jan 2012 11:44:47 GMT</pubDate>
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    <title>Jan 24, Debt Collecting</title>
    <link>http://www.debtcollectionanswers.com/debt-collecting.html</link>
    <description>Will debt collectors, especially credit card collectors, garnish or take your student loan refund check if you are a student? They refund check doesn't</description>
    <pubDate>Tue, 24 Jan 2012 11:29:53 GMT</pubDate>
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    <title>Jan 21, credit &amp; collection </title>
    <link>http://www.debtcollectionanswers.com/credit-collection.html</link>
    <description>I got a bill from credit &amp;collection for 52.25 that is where I seen a dermatologist. I have never got a bill from them at all &amp;I have been back two times</description>
    <pubDate>Sat, 21 Jan 2012 12:57:56 GMT</pubDate>
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    <title>Jan 21, Am I Legally Responsible for My Spouse's Unpaid Medical Bill?</title>
    <link>http://www.debtcollectionanswers.com/am-i-legally-responsible-for-my-spouses-unpaid-medical-bill.html</link>
    <description>I live in Colorado, and my husband has an unpaid medical bill for $1500 from June of 2010. We just received a summons for both of us to appear in court</description>
    <pubDate>Sat, 21 Jan 2012 12:39:42 GMT</pubDate>
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    <title>Jan 21, Limitation on Medical Bills that were not turned into Insurance at the time incured.</title>
    <link>http://www.debtcollectionanswers.com/limitation-on-medical-bills-that-were-not-turned-into-insurance-at-the-time-incured.html</link>
    <description>My husband was in an automobile accident in January 2010.  We just received a medical bill from the company that read the xray...it was NOT turned into</description>
    <pubDate>Sat, 21 Jan 2012 12:34:36 GMT</pubDate>
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    <title>Jan 21, im being billed by two seprate companys for the same student loan</title>
    <link>http://www.debtcollectionanswers.com/im-being-billed-by-two-seprate-companys-for-the-same-student-loan.html</link>
    <description>recently ive started paying on both my student loans,i cant afford both and the lady for the one ive been paying for almosta year said i over qilified</description>
    <pubDate>Sat, 21 Jan 2012 11:26:51 GMT</pubDate>
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    <title>Jan 18, Not billed to my insurance</title>
    <link>http://www.debtcollectionanswers.com/not-billed-to-my-insurance.html</link>
    <description>My eye doctor billed my BCBS insurance and they payed $35.00 of a $240.00 bill. But I at the time had two policies with VSP one through my wife's company</description>
    <pubDate>Wed, 18 Jan 2012 15:57:07 GMT</pubDate>
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    <title>Jan 18, Ask your question about collections on a paid bill here</title>
    <link>http://www.debtcollectionanswers.com/ask-your-question-about-collections-on-a-paid-bill-here.html</link>
    <description>Do you have a question about our page, collections on a paid bill? Use the comments link below to ask your question. Please be sure to read that page first,</description>
    <pubDate>Wed, 18 Jan 2012 14:32:40 GMT</pubDate>
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    <title>Jan 18, Deceased Persons Debt</title>
    <link>http://www.debtcollectionanswers.com/deceased-persons-debt.html</link>
    <description>Deceased persons debt - are you being harrased for the debt of a relative who died?</description>
    <pubDate>Wed, 18 Jan 2012 13:34:45 GMT</pubDate>
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    <title>Jan 18, paying one loan while being garnished by a creditor</title>
    <link>http://www.debtcollectionanswers.com/paying-one-loan-while-being-garnished-by-a-creditor.html</link>
    <description>Do I have to pay another debtor while I am being garnished by another? I just started making payments on my federal student loan but found out today Im</description>
    <pubDate>Wed, 18 Jan 2012 11:05:47 GMT</pubDate>
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    <title>Jan 17, What to Do About an Old Cable Bill</title>
    <link>http://www.debtcollectionanswers.com/what-to-do-about-an-old-cable-bill.html</link>
    <description>I owed a bill on comcast cable and it been 11 years of this debt and they're still charging me for that Can i dispute that?  Reply from DebtCollectionAnswers.com:</description>
    <pubDate>Tue, 17 Jan 2012 01:40:38 GMT</pubDate>
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    <title>Jan 17, Old Towing Bill</title>
    <link>http://www.debtcollectionanswers.com/old-towing-bill.html</link>
    <description> Am I responsible for a towing bill that occured in 1999?  Reply from DebtCollectionAnswers.com:  If it was a legitimate bill, then you are responsible</description>
    <pubDate>Tue, 17 Jan 2012 01:33:30 GMT</pubDate>
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    <title>Jan 17, Company out of business - tax debt?</title>
    <link>http://www.debtcollectionanswers.com/company-out-of-business-tax-debt.html</link>
    <description>If you were a owner of a company of which you have unpaid taxes are these still collectable after the company has gone out of business?  Reply from DebtCollectionAnswers.com:</description>
    <pubDate>Tue, 17 Jan 2012 01:29:14 GMT</pubDate>
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    <title>Jan 17, Two judgements same debt</title>
    <link>http://www.debtcollectionanswers.com/two-judgements-same-debt.html</link>
    <description>I have a judgement against me for a credit card debt. I only receive social security and a pension, and am paying one lawyer with a judgement. They cannot</description>
    <pubDate>Tue, 17 Jan 2012 01:26:32 GMT</pubDate>
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    <title>Jan 17, Can assets in husbands name be seized?</title>
    <link>http://www.debtcollectionanswers.com/can-assets-in-husbands-name-be-seized.html</link>
    <description>I live in California and married. If the cars and checking and savings are in my husband's name can they take any of those items to satisfy a judgement</description>
    <pubDate>Tue, 17 Jan 2012 00:59:52 GMT</pubDate>
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    <title>Jan 17, I've made payments</title>
    <link>http://www.debtcollectionanswers.com/ive-made-payments.html</link>
    <description>I was informed of this debt a few years back. For a while I did nothing about it. About a year ago I made a few payments but then they told me my account</description>
    <pubDate>Tue, 17 Jan 2012 00:55:59 GMT</pubDate>
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    <title>Jan 16, Notarized sale of third part credit card debt</title>
    <link>http://www.debtcollectionanswers.com/notarized-sale-of-third-part-credit-card-debt.html</link>
    <description>I have documents showing how my original credit card debt was sold twice and now resides with Incepta.  Some of the sale documents show notary seals and</description>
    <pubDate>Mon, 16 Jan 2012 18:19:33 GMT</pubDate>
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    <title>Jan 14, medical bills in collections.</title>
    <link>http://www.debtcollectionanswers.com/medical-bills-in-collections.html</link>
    <description>I have 2000.00 in medical bills now in collections, with a possible 5800.00 more, I only earn close to 5000.00 gross a yr. Bring home income about 250.00</description>
    <pubDate>Sat, 14 Jan 2012 13:06:27 GMT</pubDate>
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    <title>Jan 14, Payment Plans</title>
    <link>http://www.debtcollectionanswers.com/payment-plans1.html</link>
    <description>I went through a forclosure in California, the second mortgage was charged off and sent to a collection division of the same company. I made arrangements</description>
    <pubDate>Sat, 14 Jan 2012 12:48:23 GMT</pubDate>
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    <title>Jan 14, 11 Year Old Outstanding Electric Bill</title>
    <link>http://www.debtcollectionanswers.com/11-year-old-outstanding-electric-bill.html</link>
    <description>My local electric company, Muscle Shoals, Alabama, says I owe $484 from an 11 year old past due bill. I was never aware this bill exist. Can they still</description>
    <pubDate>Sat, 14 Jan 2012 12:17:16 GMT</pubDate>
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    <title>Jan 14, Default judgement 2 yrs old, it wasn't me that was served?</title>
    <link>http://www.debtcollectionanswers.com/default-judgement-2-yrs-old-it-wasnt-me-that-was-served.html</link>
    <description>I have a medical bill in collections. The agency got a default judgement against me. I did have my wages garnished but I earn very little. I have paid</description>
    <pubDate>Sat, 14 Jan 2012 11:50:38 GMT</pubDate>
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    <title>Jan 12, Chase Bank Stops Suing Consumers to Collect Past Due Credit Card Debt</title>
    <link>http://www.debtcollectionanswers.com/free-debt-collection-help-blog.html#Chase-Bank-Stops-Suing-Consumers-to-Collect-Past-Due-Credit-Card-Debt</link>
    <description>In an unexplained move, JP Morgan Chase &amp; Co. has gotten rid of its in-house attorneys, dropped countless cases it was pursing against cardholders, and shuttered its debt collection operations. Prior to doing so, Chase was aggressive about suing consumers with past due accounts and was winning millions of dollars in judgments every month. 

Although it is only speculation at this point, it appears that Chase's abrupt move may be due to documentation irregularities including an allegation by a whistle blower that the company had falsely overstated the balances due on thousands of past due accounts it had sold to a third party collector. Government investigations into Chase's debt collection operation may also be be a factor.</description>
    <pubDate>Thu, 12 Jan 2012 15:43:04 GMT</pubDate>
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    <title>Jan 10, Medical Bills Incurred by Minor IN</title>
    <link>http://www.debtcollectionanswers.com/medical-bills-incurred-by-minor-in.html</link>
    <description>I am currently being told by a collection agency that i owe over $900.00 in medical bills that occured before i was the age of 18. My mother passed away</description>
    <pubDate>Tue, 10 Jan 2012 12:50:51 GMT</pubDate>
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    <title>Jan 10, Paying medical bills</title>
    <link>http://www.debtcollectionanswers.com/paying-medical-bills.html</link>
    <description>After being hospitalized for 2 days I started receiving doctor, lab and hospital bills. I was discounted on my hospital bill due to no insurance. I have</description>
    <pubDate>Tue, 10 Jan 2012 12:34:39 GMT</pubDate>
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    <title>Jan 10, actively paying a hospital bill but have been sent to collctions, is this legal</title>
    <link>http://www.debtcollectionanswers.com/actively-paying-a-hospital-bill-but-have-been-sent-to-collctions-is-this-legal.html</link>
    <description>i have been actively paying on a hospital bill but have received a collection letter from a contracted source, is this legal since i am actively sending</description>
    <pubDate>Tue, 10 Jan 2012 12:13:44 GMT</pubDate>
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    <title>Jan 10, medical bill original account form medical provider</title>
    <link>http://www.debtcollectionanswers.com/medical-bill-original-account-form-medical-provider.html</link>
    <description>How do I retrieve original acount numbers from medical provider that has been put into collection</description>
    <pubDate>Tue, 10 Jan 2012 12:11:34 GMT</pubDate>
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    <title>Jan 7, Can I get my wages garnished without notice?</title>
    <link>http://www.debtcollectionanswers.com/can-i-get-my-wages-garnished-without-notice.html</link>
    <description>I am very curious to find out if it is legal or what are my rights when it comes to wage garnishment. I have been getting my checks garnished for the past</description>
    <pubDate>Sat, 07 Jan 2012 12:43:37 GMT</pubDate>
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    <title>Jan 7, Breaking lease because of no money</title>
    <link>http://www.debtcollectionanswers.com/breaking-lease-because-of-no-money.html</link>
    <description>I'm a college student and I signed a 12 month lease last year.  the problem is that I found out after I signed the lease that I'm only going to be at school</description>
    <pubDate>Sat, 07 Jan 2012 12:20:11 GMT</pubDate>
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    <title>Jan 7, debt from court</title>
    <link>http://www.debtcollectionanswers.com/debt-from-court.html</link>
    <description>How do i figure out what i owe and to who... I am esp interested in paying off debts from court that was sent to collections first? ... please help</description>
    <pubDate>Sat, 07 Jan 2012 12:16:22 GMT</pubDate>
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