For questions related to debt collection, debt collection agencies, unpaid debts, etc.

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5
votes
1answer
203 views

How can I stop debt collection agencies contacting me about an ex-partner who moved away 10 years ago?

I divorced about 10 years ago and transferred my mortgage out of my partner's name. However it appears as if my ex has been taking out more loans and not paying them back and every month or so a ...
4
votes
2answers
158 views

How do disputed debts work on credit reports?

There is a company that believes I owe them money. I disagree, and they've hired a debt collector. I know how about my rights per the Fair Debt Collection Practices Act, and in particular that I ...
54
votes
10answers
14k views

Apartment I never lived in is collecting against me. Recourse?

I was looking at apartments a year ago, and found the "perfect" apartment online. However, I couldn't go look at it until the following weekend. Unfortunately, the apartment had already been listed ...
3
votes
2answers
97 views

How long should one wait before reapplying for credit card after account closure

I have recently come out of some financial trouble. I had about 4 collection agencies I owed money to and 2 credit card accounts that had been frozen and closed. I have now paid off both credit cards ...
17
votes
2answers
3k views

Received federal student loan collection letter, but never had one. What to do?

Yesterday I received an unexpected letter in the mail, a federal student loan collection letter from ConServe collections. I've never had a federal student loan, so it was quite surprising to receive ...
3
votes
3answers
345 views

How to respond to collections regarding medical bill your insurance hasn't paid?

Last year our medical insurer froze my wife and children's account and refused to make any payments to any providers until my wife, her doctor, and possibly some of her other providers filled out a ...
1
vote
2answers
234 views

Ignored debt collection agency over false claim, now its on my credit report. What do I do?

Over six months ago, I started receiving calls & voice mails from a debt collector. I never answered the phone and eventually blocked them. I didn't have any debts (that I was aware of) so I ...
0
votes
2answers
81 views

Can you dispute a negative credit reporting?

I have an above average credit rating and am very responsible with any payments that need to be made. After moving out of my last apartment, I paid all of the rent and never received another bill for ...
1
vote
1answer
232 views

My medical bill went to a collection agency. Can I pay it directly to the hospital?

I went to the emergency room 5 months ago, and got a $2,000 bill. I didn't have the money to pay, so it just went to collections this month. But I already saved some cash, and I want to pay it off ...
2
votes
1answer
123 views

What are some ways to negotiate with a lawyer to pay off an outstanding debt?

I owe around 7000 for an outstanding debt and they are trying to take me to court for it. If I have 4000 now, how can I get them to accept that money to take care of the entire debt amount? I know ...
0
votes
1answer
165 views

Unpaid medical bill - Collection Notice

I do not have any debt in the past 10 years in US. I have good credit score 715+. This has been the case from the beginning. Of late, I had a minor medical emergency and my insurance paid some amount ...
1
vote
1answer
75 views

Can a debt collector keep my payment info?

Most (all?) bills come with a form to fill out your credit/debt card info and mail back to them. What are the limitations on what they can do with one's card and how long they can hold the info? Like, ...
5
votes
1answer
194 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 ...
4
votes
4answers
264 views

22 year old with about $3300 in collections, should I pay it all at once or in payments to improve credit score?

I have got about about $3300 in collection. $1400 is from getting evicted about $400 is from a time I over drafted a checking account and the rest is medical bills. Now I also have a auto loan for ...
6
votes
2answers
859 views

How do I deal with a clinic billing mistake that was sent to collections?

Recently I created a CreditKarma.com account so that I can keep and eye on my credit. Upon logging in, I noticed I have a pretty low score (not that surprising since I just opened my first credit ...
13
votes
1answer
411 views

What will happen to my wife's debt when she passes away?

I am currently a Washington state resident but my wife is still an Oregon resident. Recently she has had some health issues and has been given a short amount of time left to live. We are trying to ...
1
vote
1answer
212 views

Startup Convertible note write-off debt?

I invested time in a tech start-up during 2013 that has since closed its doors. I received payment in the form of convertible notes... $30,000 in total, which of course have no value now. Is there ...
11
votes
4answers
632 views

Should I pay an erroneous bill in collections if it is a tiny amount?

I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I ...
0
votes
2answers
223 views

It it legal to enforce collection of an (incorrectly) estimated tax bill

I have a friend who used to be self employed, but is now in full time employment. this was about 4 years ago, and he never bothered to de-register for VAT. Now HMRC (via a collections agency) are ...
2
votes
1answer
523 views

How do I deal with a collection agent who refused to state a reason for calling?

I got a call from a number registered to a collection agency (I looked it up online). When I answered, knowing some of the Fair Debt Collection Practices Act, they asked if I was Phillip. I asked him ...
3
votes
1answer
2k views

Is a debt collector allowed to make a hard inquiry on your credit report?

Under what circumstances is this permissible? What is the purpose of this anyways?
5
votes
1answer
2k views

What happens if a collector doesn't respond to a debt validation request?

After a debt collector sends you a notice, you have 30 days to respond. If you communicate to them that you want to have the debt validated and they haven't responded over a month later, either about ...
3
votes
3answers
10k 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
2k 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, ...
2
votes
1answer
1k views

Is it legal for debt collectors to send notices in an email?

As the title asks, is it legal for debt collectors to send notices in an email without a judge's prior approval? The location in question is Nebraska, USA. EDIT: The notice's request is only to ...
8
votes
4answers
4k 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 ...
5
votes
1answer
301 views

Can I pay a collection agency in a way that will improve my credit score?

Finally, I've got cash in the bank. But this comes after a few years of building up a credit card debt of about $5,000 and not paying it off. A collection agency has come after me. I'm sure my ...
5
votes
3answers
1k views

Debt Collection Agency wants $30 for an unpaid Newspaper subscription

I'm a college student in the United States, and for an Economics class I was taking I needed a subscription to the Wall Street Journal, so during the first class we filled out a subscription form with ...
11
votes
5answers
3k views

If a debt collector offers to settle for substantially less than the owed amount, should the offer be accepted?

Someone I know has had an outstanding debt (almost $10,000) for a number of years. He recently got a letter from a debt collector saying that if he pays about $2,000 by the end of the month, the debt ...
-1
votes
0answers
213 views

What recourse do I have when being harassed by a bill collector who has the wrong phone number? [duplicate]

Possible Duplicate: How to get rid of someone else's debt collector? I've recently started getting bill collector calls regarding a debt for someone I don't even know. I assume they ...