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3
votes
1answer
44 views

What constitutes “Account Activity” in a debt collection timeline?

Let's say a person has a debt that charged off several years ago. They receive a time boxed, partial amount payoff offer from a Credit Agency that purchased the debt from the original lender. Do they ...
1
vote
1answer
59 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, ...
6
votes
2answers
400 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 ...
5
votes
2answers
299 views

How to deal with a landlord charging more than what is specified in the lease when I break the lease?

I am not from the U.S. and this is my first experience breaking the lease. I had to break it to move for a new job, and no one would like to sublet the apartment since it is a damp basement. The ...
2
votes
1answer
194 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 ...
4
votes
1answer
177 views

Debt sold after 5 years in collections

So for a not so dumb reason 5 years ago I decided not to pay a utility bill (charged me $300 for 2.5 days of service when my normal bill was < $100). Fought with them back and forth and told them ...
10
votes
3answers
3k views

can the government or debt collectors garnish money from any bank account to which the debtor has access?

A trusted family member has access to my savings account. The savings account is mine, but the family member's name appears next to mine, which means that they are entitled to withdraw money from the ...
2
votes
1answer
663 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 ...
6
votes
1answer
1k views

What are remedies if a collection agency won't remove a false item from the credit report?

Through my ex-wife's shenanigans I've had an entry on my credit report for around $400 for about a year. I think she wrote a check on an account that we've once had together, but was closed in 2007. ...
4
votes
4answers
1k 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 ...
4
votes
4answers
552 views

What are my options to deal with Student Loansharks?

So I had about $16k in student loans. I defaulted on the loans, and they got passed to a collection type agency (EOSCCA). The collection agency tacked another $4k onto the loans. I spoke with a ...
45
votes
4answers
8k views

How to get rid of someone else's debt collector?

For the past three and a half years (as long as we've had this phone number -- a land line), we've been getting calls from debt collectors for the person who apparently used to have our number. The ...
3
votes
2answers
533 views

How badly does a collection account sent to the credit bureau hurt my credit score?

I'm a college graduate, home owner, and I have a decent credit score. I just received a letter from a collection agency claiming I owe upwards of $700 on a delinquent debt from an apartment I lived in ...
4
votes
1answer
132 views

How to protect myself from unethical business collecting on an invalid past due amount?

I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Suffice it to say I was less than pleased. The car broke ...
6
votes
2answers
458 views

Do things really fall off a person's credit in seven years?

I'm looking to start repairing my wife's credit on which she has several credit cards from before we were married. These debts are reaching the 7 year window where I've heard things "fall off" your ...
4
votes
5answers
3k views

Mortgage Due Date versus Late Payment Penalty - Can the loan company call me daily?

My mortgage is due on the 1st. I was told paying a week after the 1st to match my paychecks wouldn't be a problem. In fact each and every statement has a date where if I pay after that date, I owe a ...