Questions tagged [collections]

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42 views

Removing an incorrect collection record from Canadian credit profile

A gym in Canada did not cancel my account and suddenly claims that I owe them money for almost two years, despite the fact that I never signed an agreement with them (I signed it with a different ...
2
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2answers
67 views

Is there a prescription/stipulated time for an invoice to be collected?

Is there a time frame to collect an invoice? I have a client I need to collect a bill from. They are always making excuses. Do I have a time frame to collect the bill? Does the debt have a ...
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0answers
56 views

Collecting on a judgement

I was awarded a judgement in a civil court against a company for a fairly large amount (ie 10,000+). The company is Canadian, and in the same province, but not local to my city of residence. Due to ...
11
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3answers
1k views

Original creditor forwarding payments to collection agency

In 2017 I had back surgery performed at an orthopedic specialist surgery center. During the billing process I set up auto-draft for all of the bills so that I would not have to worry about missing a ...
2
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1answer
219 views

How to deal with wireless company that sends bills after I have cancelled

At the end of last year, I decided to leave AT&T wireless and cancel my service with them. I transferred a number to the new carrier and gave up two others. At this time, I became unable to log ...
-1
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1answer
87 views

Calaculating Quartely cash collections [closed]

Sorry if this is the wrong place for this financial concept question, it's about the cash budget. Accounts receivables at the beginning of the year are $345. The company has a 60 day collection ...
7
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1answer
2k views

Collections calling thanks to BioLife. Is this a scam?

My father just received a phone call from collections saying he owes $650 for a product he purchased in 2015. We thought it was a scam call at first but they seemed to have his personal information ...
4
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1answer
98 views

Debt sent to collections while still attempting to solve with vendor

In California, can personal debt be sent to collections while you are still engaging in a potential resolution with the vendor? Example: communication with the vendor towards a solution is moving, ...
2
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1answer
146 views

Medical collection for parents - will it affect me?

My parents were visiting the US from Europe and they had some sort of travel insurance. During their visit, my dad had a fall and was taken to the ER; thankfully nothing was wrong and he was released ...
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0answers
37 views

Do administrative wage garnishments for nontax debts count as judgments or other public records for the purposes of the three credit bureaus?

When I was in my late teens, I made some bad choices. Most notably, I was on SSI, which the government retroactively decided I was not eligible for. They put the debt on my credit report, some years ...
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2answers
185 views

Do all collections accounts show up on a credit report?

When running credit reports for potential tenants, I sometimes see accounts which are closed and charged off as a "profit and loss write-off". I also sometimes see collection accounts. That being ...
14
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1answer
434 views

How was someone able to open an account?

A while back I was surprised to see a collections account go onto my credit report for an unpaid amount of a few hundred dollars. I immediately believed it to be a mistake since I had never heard of ...
29
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2answers
10k views

Wife sent to collections for ticket she paid ten years ago

My wife got a ticket 10 years in Nevada. She paid that ticket, but doesn't have any record of it; we've moved a lot in the last ten years and switched banks several times. We got a bill from the ...
9
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3answers
86k views

Is Credence Resource Management a scam?

I've been receiving a lot of calls from a debt collector called Credence Resource Management. These calls are coming from a call center in India. It seems like this is a scam company. I did some ...
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3answers
340 views

What incentive one has to pay a medical bill in this situation?

I was talking to a friend over the weekend and he told me that some states in the United States don't allow unpaid medical bills to be reported in the person's credit report. If that were true than ...
1
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2answers
104 views

On a debt collection agency's letter, what does “balance” refer to?

What does the term balance refer to on a letter from a debt collection agency? Is this the money that is owed or is this the money available to pay off this debt?
3
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3answers
304 views

Credit Score, Collection from 1 year ago, have not lived in america for 4 years

I used to live in America for 2 years, but i moved back to my home country in December 2012, i will however will be moving back to American next month. I checked my credit score (story behind why in ...
3
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3answers
283 views

Was this bill forgotten by a medical provider, and do notices need to be sent before collections?

6+ months ago I attended this physical therapy place for 4, 1 hour visits that were billed at 600$ each. I realized they were out-of-network and switched places. Checking my records I realized I paid ...
3
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3answers
161 views

Could my credit ratings have been hurt even if I use a virtual credit card?

I had subscribed to NY Times during an introductory offer with a Virtual Shopsafe credit card. I didn't increase the limit on my credit card and after the first month, my subscription became ...
6
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2answers
359 views

Medical bill in collections

I am a college student that had surgery in 2014 on my gallbladder and subsequently became very ill and needed a necessary test to prove a a diagnosis my gastroenterologist suspected. He recommended ...
10
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1answer
320 views

Might it make sense not to look into debt that is in collections?

I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
4
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3answers
357 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 ...
6
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1answer
572 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 ...
3
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2answers
767 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 ...
5
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3answers
46k 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 ...
4
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3answers
3k 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, ...
5
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2answers
399 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 ...
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4answers
5k 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 ...
3
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1answer
846 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 ...
5
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4answers
3k 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
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3answers
217 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 alike,...
5
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2answers
187 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
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1answer
742 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?
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4answers
347 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 ...