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4
votes
3answers
135 views

How do I deal with a mistaken attempt to collect a debt from me that is owed by someone else?

A close friend got a call from someone unknown asking for her current address. She wisely refused, and after some go around they said they had bought a past due payday loan that she was responsible ...
5
votes
1answer
149 views

Will I see a collection on my credit report if I paid the bill in full?

I received a call from a collections agency a couple of days ago about an unsettled bill of $200. Turns out that during my grad school days (over 7 years ago), we used a water delivery service and I ...
2
votes
2answers
303 views

What steps can an independent contractor take to force a company to send him his last payment?

Say a person worked as an independent contractor at firm X. Firm X is in New Jersey; he worked remotely in New York. After 7 and a half months of work he decided to end the project--a 4 days notice ...
3
votes
3answers
7k views

How much time does a doctor's office have to collect balance from me?

Today I went to my old dentist and they told me I owe them $350 from from several visits three years ago (I switched to a different dentist for the past 3 years before switching back today). When I ...
1
vote
3answers
1k views

How do collection agencies work

I wanted to understand how companies decide to send accounts of customers to collections and then, how the collection agencies settle. My understanding was that in any company, that has receivables, ...
4
votes
2answers
231 views

How would a collection against me affect my credit

I went to a new city two weeks ago and rented a 2011 Civic in the meantime. On the last week of the rental, someone hit my car in the front bumper in a parking lot. The damage was a 2 by 3 inch dent ...
8
votes
4answers
3k views

Collections for Medical Bill - Pay Settlement or Full Amount?

I live in California, and I had an ER visit in November 2010. I originally owed ~$800. I've been contacted by a collection agency, and offered a settlement of ~$400 I have verified with the original ...
2
votes
1answer
109 views

Collections - charge off

I had a debt on my Bank of America credit card (which I used to pay part of my tuition during grad school). I was unable to pay it, it went into collection and I settled with them. Now I have a charge ...
4
votes
4answers
2k views

“Pay to Delete” letter for removing an entry from my credit report. Legit?

I am negotiating with a collection agency over payment of around $2500. Talking on the phone with them, it seems that I can't get an unequivocal "yes" to delete their entry from my credit report on ...
3
votes
3answers
124 views

Are there criminal implications to having a delinquent or collection account?

I had a collection account I was unaware of that I paid to avoid any issues (less than $500). Since it is reported on my credit score as "collection account or delinquency accounts" or something ...
5
votes
2answers
119 views

Actions to take against paid collection

I received a note from a lender about a debit I had with GAP. It was completely unintentional and I didn't even know about it until then. The firm is in MS and I was living in CA at the time, while ...
10
votes
1answer
316 views

If I co-sign on a loan for someone, am I putting up money (is there a cost)?

Does it cost me anything if I co-sign a loan for someone?
5
votes
4answers
294 views

How do I get bill collectors who call about people I know to stop calling me?

In recent days, I've had bill collectors calling me about a former room mate of mine, and its getting rather annoying, (he never even lived at this location, or had my phone number). Is there any way ...