How to deal with debt collectors?
my advice would be for you to read over The Fair Debt Collection Practices Act to find out what your rights are and the limits they have. Debt collectors will take advantage of you if you do not. http://www.ftc.gov/bcp/edu/pubs/consumer... And never give out you banking information over the phone. Contact the original credit card company and make sure they have passed the debt on to a collector. Then contact the collector and try to find a way to resolve the matter. I also recommend keeping a recording of all conversations.
Need help with possible fake debt collector!?
Alright, well this isn't happening to me, but a family member. The family member was on vacation and I was looking over their house while they were gone. This number started calling and leaving messages saying that you have an outstanding debt and they tell you to call a certain number back and enter your case number which they also tell you in the call. Now this is not a real person talking, its a recorded voice. They call themselves, "Accounts Receivable Management" When you call them back they tell you if you type in the number you are responsible for this debt, and if you don't have your case number you can type in your social security number instead. Were almost positive it has to be a scam, because the family member has no current or past debt. Plus aren't you supposed to get letters and stuff also in the mail? Since last tuesday, the 5th of March they have called 10 times. If you have any idea what we can do, please let me know. Is there a way we can contact someone to get them to stop calling?
Being sued by a debt collector/ law firm. Need help.?
So I m being sued for a medical bill from early in 2015. I didn t have any insurance and I was going to school at the time. I had some money saved up for school so I couldn t really file for assistance. I should of but didn t. I started making payments on it from what I could afford but unfortunately I was just making payments on interest so I stopped and saved up to just pay it off all at once. But unfortunately I only have 8700 left on it. Which I offered to pay off all at once today but they wouldn t accept it because of the interest tacted on. And on the paperwork I was served today they are only sueing for 8700. Idk what the hell to do. I have all the conversations with them recorded on my phone but idk if that would do much help. So any help in the right direction would be super appreciated.
Need some advise with dealing with a debt collector?
A friend told me to try yahoo answers to get some advise on this. I just recently got a call from a debt collector inregards of a capital 1 bill i had in 2000, he told me i owe 9k, where it was 3200 in 2000. I is tring to set me up with a payment plan of 200 dollars a month for 45 months. What i am having a hard time with is the extra6k seems fishy I have not made a argeement with him and he has been calling all day. He did tell me friday if i havent made a disision by monday he will have no choice to file a law suit. He also included the state of michigan where i live they may look at is a felony due to theaft not intending to pay back.. any one been in this situation, I do not want a felony on my record but i dont think it is right for the 9k
How should I deal with a debt collector from Alliance One?
Someone left a message on my answering machine today - stating that it was about an important business matter. When I called back, the man I talked to said that he was a debt collector from Alliance One and that I owe $800+ for medical equipment. When I first called, he asked for my address and date of birth (to verify who I am I guess). I gave it to him. Was that bad? I did get a breathing machine a few years ago. But, I owed less than $200 after the insurance paid. I remember paying it!! But, I've closed out that bank account and can't find any proof. I asked him to send me a copy of the bill, showing the original charge, what was paid, etc. He said that they sent a letter in November of 2011 (which I did not get), and that they only send one letter. He told me if I "updated" my account, that he might be able to offer me a settlement deal. He said that updating would just be providing them with my current employer's name, current address, etc. But, I was afraid that "updating" might do something to the SOL, so I didn't do it. I've done online searches for Alliance One and see lots of comments about them being "bottom feeder" collectors. Some stuff I read said that I should send a letter asking for validation of the debt. But, it didn't really say what to say in the letter. Do I just say "you need to validate this debt before I'll pay"? Or, what exactly should I be putting? Should I sign the letter? If they're a "bottom feeder" could signing it give them a copy of my signature and come back to haunt me later? The man on the phone told me that they don't report to the credit bureau, but stuff I read online said that they do. I'm working on getting my credit report now, since I read that I should see if they're on there. Something I read said that if I was going to dispute it, I'd have to do it within 30 days of their letter. I don't remember getting a letter (and I'm sure I'd remember a letter from a debt collector)! But, if they've been on my report for almost 2 years already, am I out of luck on disputing? Thanks for any help you can give me. And, if anyone has had personal experience with Alliance One, it would be nice to hear about.
How should I deal with debt collectors from an accident?
In 2016 i had a car wreck, no insurance. Nobody was injured or nothing just a fender bend. I hit the passager door. I went to court it was dismissed , so i got a bill from Ncs for 1600, I’ve been paying them for a year. Then , yesterday they told me the bill is 8500 after two years. I called them, they told me nationwide said the person was injured and all type of charges. So the person i hit was a girl , they had a name of a man! What should i do, not pay them anymore?
How do I deal with international debt collectors?
You are likely right. The collectors probably can't touch you, but they will follow you. The collectors get paid a percentage, so they can be downright brutal in their means - particularly internationally, the industry is lightly regulated. All this said - it seems to me that your beef is with the insurance company and not the hospital that treated you. You need to put some energy into this, if for no other reason than they are scamming people every day. Whether or not you pay the hospital for a debt that you freely claim is up to you. You have to live with you all of your life.
How do I deal with debt collectors? I'm unemployed and offered $10 a month because it it; but they rejected. Isn't that illegal in New Hampshire? They also threatened to take me to court, with no intention of doing so? I owe an absurd amount.
“…They also threatened to take me to court, with no intention of doing so? ..”Are you asking a question? Or stating a fact?If you owe an absurd about, then I have no doubt that they will sue you.It is illegal to threaten to sue without intending to do so. But I don’t think that they are bluffing in your case.I don’t know NH law. I recommend that you use Nolo’s site.Debt Collectors, Collection Agencies & Debt BuyersYour options depend on the the type of debt. Is this student loans? Credit card debt? Secured debt?
Is CBCS a Legitimate Debt Collector? Has Anyone Dealt With Them for Valid Debts That Are Owed?
They are a legitimate debt collection agency, however that doesn't mean all debts they try to collect are legitimate. If you dispute this debt, send them a letter (certified mail, return receipt requested) asking them to validate it. Do not acknowledge that the debt is yours, simply ask them for validation. Keep a copy of the letter as well as the green card you will get back from the USPS showing proof of delivery. Sample debt validation letter here: http://www.creditinfocenter.com/forms/sa... If they validate the debt and it is yours, you have a couple of avenues. If the debt is past the statute of limitations for collection in your state, you can write to them again (again, certified mail, return receipt requested), notifying them of such and that under the FDCPA (Fair Debt Collection Practices Act), collection activity must cease. This does not, however, keep them from selling off the debt to another collection agency. Or pay it off in full, or settle for the amount owed (settlement is a taxable event and you may receive a 1099 from the CA which you must declare as income on your taxes). If you pay or settle, make sure you get written documentation that the debt is considered paid in full. If you do neither and this is a legitimate debt, the collection agency may pursue efforts up to and including filing a case against you in court. If they win and get a judgment, your wages may be garnished and/or bank account levied to satisfy the terms of the judgment.