Stack Exchange Network

Stack Exchange network consists of 174 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.

Visit Stack Exchange

Questions tagged [debt-collection]

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

2
votes
0answers
102 views

Student loans paid already but collection agency claiming loans are in default

I paid off my student loans via pay garnishments and the IRS taking 3 to 4 years of my tax refunds. Unfortunately, I have moved 5 times in last 2 years and I cannot find my files confirming this. ...
2
votes
1answer
64 views

Does an unpaid medical bill that is sent to collections have any adverse affect besides affecting the credit score?

I know that an unpaid medical bill affects the credit score if it is sent to collections. But is there any more adverse affect that it creates?
1
vote
0answers
100 views

Can debt collectors or creditors combine multiple “accounts” into one to increase sum above $100?

In this case, someone has several medical debts, for separate procedures/office visits. Each of these debts is of an amount less than $100. It would seem that, since the visits are separate, these ...
0
votes
2answers
128 views

Can a sole proprietorship start a debt collection business

Can I buy bad debt under a sole proprietorship? I've considered the costs of an LLC versus a sole proprietorship. However to dig deeper, I am unaware on "who can buy debt", and where to find these ...
11
votes
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 ...
3
votes
0answers
219 views

14 year old charge on utility bill

I recently bought a house and signed up for utilities. I then go to sign up for automatic payments on their webpage, and it says I owe over $400 from when my account was last active in 2004. I know ...
8
votes
2answers
2k views

Do I need to get it in writing when paying off collections accounts?

I have a credit card in collections with a balance of $1972. I will be able to pay this off in a couple of weeks. I have read a lot of articles that say that I can negotiate to have the balance ...
6
votes
2answers
233 views

Medical bill with wrong name sent to collections

A few weeks after my wife gave birth, the medical bills started rolling in. One of them was addressed to "BB Last Name)." Our last name is not common but there are other people in our city with the ...
4
votes
1answer
228 views

Better to pay debt collectors or original provider?

I was having a conversation with a colleague about repairing credit. He believes if you have a debt that went to collection, that it's best to pay the original provider of the goods or services. ...
3
votes
1answer
103 views

What is the most efficient way to dispute an invalid collection on a credit report?

I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance ...
25
votes
6answers
10k views

Potential debt collection scam from National Credit Systems?

Yesterday I received a letter in the mail from an organization called National Credit Systems. In the letter, they say that I owe them $230 to the apartment manager that I rented from 3 years ago. I ...
2
votes
1answer
59 views

Collections account on one credit report yet CreditKarma reports my scores are almost the same. Why?

I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been ...
-4
votes
2answers
475 views

Can you abandon debt if you move address and open a new bank account? [closed]

This is a hypothetical situation. Let's say Bob, who lives in the UK, has a lot of debt to bank A, about £10,000 in credit card debt and another £10,000 or so in loans, overdrafts, and unpaid fees. ...
3
votes
1answer
225 views

Can credit card debt be negotiated?

A family member with Credit Card Debt has missed a few payments. The bank sent a letter saying that they would be willing to settle for 20% less of the current debt. Question: Can the debt be ...
4
votes
1answer
80 views

Can a bill be sent to a third-party debt collector at any time?

Bob lives in the United States. A business billed Bob. Can the business send the bill to a third-party debt collector at any time? (e.g., does the business have to wait a certain amount of time? ; ...
0
votes
1answer
75 views

When does a debt collection affect one's credit score in the United States?

Bob lives in the United States. Bob didn't pay for a bill, and the bill was sent to a third-party debt collector. When will it start affecting Bob's credit score? For example, will Bob's credit score ...
44
votes
3answers
7k views

Why would a lien appear on a mortgage after 17 years?

I have a 30 year, fixed rate mortgage from the year 2000. I have never missed a payment and don't have any other debt. A couple of months ago, I a got a letter sent by a company I never heard of (...
0
votes
1answer
129 views

Multiple credit cards for one debt? [closed]

Scenario: A person owes $30,000 in school debt to a single entity. The person also has THREE credit cards. Each month, the person pays $500 using credit card 1 towards the debt and $50 (minimum fee) ...
7
votes
1answer
1k 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 ...
1
vote
1answer
184 views

How does “debt prescription” work in America (Utah if that matters)? [closed]

When googling for "debt prescription" I get a lot of hits in South Africa. Is it called something else in US English? And to the point, how does it work in America? Specifically contracts such as "...
4
votes
1answer
92 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, ...
8
votes
1answer
200 views

Old collection keeps resurfacing on my credit

[This question is very similar to Credit Report debt expiration limit: original creditor vs. Collection, but I'm solely concerned with the 7-year FCRA rule and my ability / legal right, or lack ...
5
votes
1answer
725 views

How to Dispute a Medical Bill that Went to Collections

I had a 2-hour ER visit for a biking accident at an out-of-network location in 2014, and provided the insurance information at check-in. Four months later the hospital and the doctors (charging ...
-2
votes
1answer
1k views

Received debt collection notice regarding unpaid college course

A couple years ago, I took a college course at a community college that would transfer to my University. After a week, I simply stopped attending, and didn't return the book I had rented from them. ...
93
votes
8answers
23k views

How to deal with the credit card debt from family member that has passed away?

My father recently passed away and had some considerable amount of debt on his credit cards. House and credit card were in the deceased’s name only. The state that is happening in is New Jersey. In ...
1
vote
2answers
133 views

Disputed bill awaiting response sent to collection agency

I have a family member who disputed a medical bill she received in April. Essentially, the provider billed for a code that indicated it was a 30-minute visit, instead of 5. Upon receiving the bill, ...
10
votes
1answer
745 views

Do I still need to pay college I owe money to even when they are no longer operating/shutdown?

Few years ago I attended this college in NH, USA. I owed them about $5,000 for courses and housing. Since I couldn't afford to pay for the next semester, I stopped going to that school. About 4 ...
0
votes
2answers
357 views

Contacted by a debt collection agency in Netherlands but I have practically never been there

I live in Italy, and over the past few weeks I have been finding missed calls by a phone number from the Netherlands; since I have a relative that works there my first thought was that the number ...
1
vote
2answers
244 views

Best way to deal with a $2700 Collection for unpaid apartment expenses

I am looking to rent a townhome and I have a credit score of 762. Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
1
vote
4answers
96 views

Payment plan with bank or negotiate with collection agency?

If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...
3
votes
1answer
635 views

Unpaid College Tuition - Does Statute of Limitations Apply?

I have over $10K in outstanding debt to my old college. Due to an issue with my parents' tax return my final year of attending, my FAFSA was invalidated, and all financial aid (loans, grants, and ...
0
votes
0answers
303 views

Defaulted private student loan for international student

I went to a private college where I had about 5k in loan money from that college per semester (non federal). Once I graduated I started paying it off (more than the minimum payment required) as I ...
74
votes
6answers
24k views

A debt collector will not allow me to pay a debt, what steps should I take?

I was contacted several months ago about a debt collection for an incredibly small sum. I asked to be sent something in the mail where I could remit payment for it. The individual told me the debt ...
2
votes
2answers
505 views

Can I pay a creditor directly after they have sent the debt to a collection agency?

Let's say you have a credit line account with a department store. You owe a balance on the credit card and it was sent to collections. In order to pay this off, is it possible to still send regular ...
4
votes
2answers
304 views

I have asked for proof of debt and been told they “don't need to prove it”

I lived in the Netherlands for about 6 months in 2015 and was a customer of Ziggo (internet provider). When I cancelled my account (November 2015) they told me (on the phone, not recorded) that there ...
8
votes
2answers
702 views

Distant relative inheritance and outstanding debts

My mom's cousin Larry passed away earlier this year. He wasn't in touch with any family for the later part of his life, but when he became ill, he contacted my mom and she did a lot of work to help ...
1
vote
0answers
55 views

Does paying a debt reset the clock on my Credit Report? [duplicate]

I have a debt from 4 years back that is on my credit report. Because I have been out of the country for 4 years, I did not know about the debt until now. My question is, does paying the debt reset the ...
4
votes
1answer
181 views

College Debt/Collections

I graduated from a community college in Alabama 10 years ago on scholarship. I receive a call from an attorney a few months ago regarding unpaid tuition/fees from this particular college.He is ...
8
votes
2answers
258 views

Collections out of SOL, should i leave it or pay?

I used to live in America back in 2012, where I had T-Mobile. I left the country in 2012 and closed my account with T-Mobile but apparently that was never done on their side and I no longer have any ...
1
vote
2answers
103 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?
1
vote
1answer
174 views

What's The Best Way To Pay Off My Collections?

I have a poor credit score, 597 to be exact. I'm 23 years old and looking to purchase a car but of course I want to get my finances in order. The only 2 major hits I have on my credit reports are from ...
1
vote
2answers
89 views

life insurance proceeds to creditor

What happens when a beneficiary, who receives life insurance monies in a payout, owes the estate? Can the estate then sue the beneficiary for money owed to the estate? The beneficiary lives in another ...
3
votes
3answers
257 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 ...
2
votes
3answers
14k views

Harris & Harris Debt Collector is harrassing me

I'm getting several robocalls (automated calls) from Harris & Harris Debt Collectors saying that I owe a debt but they won't tell me any more information. I don't know how to stop them. I found ...
3
votes
3answers
826 views

How much will my credit improve if I pay off all the negatives and there's nothing else on it?

My TransUnion is 497, and Equifax is 469. I couldn't remember the information they needed to verify my identity online for the third credit agency. The only things on the reports are 5 things on ...
3
votes
3answers
269 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 ...
18
votes
4answers
4k views

Can a check be destroyed or does it have to be returned to the person

I sent a check for a partial payment of a debt to a lawyer. They now have requested I send them one check for the entire amount and once they receive that in-full check, they will destroy the ...
4
votes
1answer
247 views

Should I communicate with a collections agency to dispute a claim after it's been deleted from my credit report?

A little over a month ago, I received a voicemail from a debt collections agency stating that they wanted to collect on $200 from an apartment complex that I moved out of 6 months earlier. I assumed ...
3
votes
3answers
154 views

Debt Collectors - Is an e-mail just as good?

As I have indicated in a former question, I have set a goal to become financially stable by eliminating my debt and rebuilding my credit. I have worked out a timeline and can easily pay things back as ...
4
votes
2answers
187 views

Taxes on debts forgiven in a record TV giveaway

Last night, John Oliver shattered the record for biggest TV giveaway in history, giving nearly 9000 people nearly $15M in forgiven medical debts. When Oprah gave away cars in the previous record ...