Comments on: My Third Mistake: I Dealt With Creditors Over The Phone http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/ Your Daily Guide To Better Credit Mon, 06 Feb 2012 02:36:29 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: REATH http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-14 REATH Mon, 18 Apr 2011 20:26:51 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-14 Just wondering can you get the state to remove tax leins after you have paid them off. Just wondering can you get the state to remove tax leins after you have paid them off.

]]> By: Santo http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-13 Santo Mon, 28 Mar 2011 19:28:41 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-13 I am in the process of finalizing settlements on 13 accounts with 6 banks. While not using the phone to do this, in my case doing it by registered mail, as much sense as that makes, would have been a full-time job, taken twice as long, and cost a lot more. In most cases, by the time I got to the right escalation person, they were actually friendly and helpful. One even told me her husband was going through the same thing, the way she described it, I did not doubt this. All in all, my average is about 53%. There has been no trouble with wire transfers, and all are following through with letters indicating completion of the settlement. Since I found this blog through a search on Cap One: they are the holdout, and as I am reading nearly everywhere, they are without a doubt absolutely the most difficult to work with. I am in the process of finalizing settlements on 13 accounts with 6 banks. While not using the phone to do this, in my case doing it by registered mail, as much sense as that makes, would have been a full-time job, taken twice as long, and cost a lot more.
In most cases, by the time I got to the right escalation person, they were actually friendly and helpful. One even told me her husband was going through the same thing, the way she described it, I did not doubt this.

All in all, my average is about 53%. There has been no trouble with wire transfers, and all are following through with letters indicating completion of the settlement.

Since I found this blog through a search on Cap One: they are the holdout, and as I am reading nearly everywhere, they are without a doubt absolutely the most difficult to work with.

]]> By: Sandy T. http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-12 Sandy T. Sat, 13 Nov 2010 05:17:49 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-12 Hi Ryan, I settled in 2006 with some creditors and just this year I received two bills from Capital One saying that I owe them money. I checked my credit report and the two accounts were charged off. I settled with Cap One by phone and autorized the settlement payments. I do not have settlement letters but I do have copies of the of the bank transactions and of the e-checks. What can I do since this transaction occured in 2006 and the CC company never reported the settlement and wants money again? Hi Ryan,
I settled in 2006 with some creditors and just this year I received two bills from Capital One saying that I owe them money. I checked my credit report and the two accounts were charged off. I settled with Cap One by phone and autorized the settlement payments. I do not have settlement letters but I do have copies of the of the bank transactions and of the e-checks.
What can I do since this transaction occured in 2006 and the CC company never reported the settlement and wants money again?

]]> By: monique http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-11 monique Mon, 03 Aug 2009 01:01:18 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-11 hello, I have a couple item on my credit report that are scheduled to be removed in the next month. I was told that if you haven't made contact with the creditor or disputed anything it will be removed. Is that true or what do I need to do? hello,
I have a couple item on my credit report that are scheduled to be removed in the next month. I was told that if you haven’t made contact with the creditor or disputed anything it will be removed. Is that true or what do I need to do?

]]> By: Liza http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-10 Liza Wed, 22 Apr 2009 07:13:03 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-10 Not that I'm totally impressed, but this is a lot more than I expected when I stumpled upon a link on SU telling that the info here is quite decent. Thanks. Not that I’m totally impressed, but this is a lot more than I expected when I stumpled upon a link on SU telling that the info here is quite decent. Thanks.

]]> By: Wes http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-9 Wes Mon, 01 Dec 2008 17:41:31 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-9 I found your blog today through a search. I am going through a credit card collection now. I charged a balance of $5k a couple of months ago and now I'm out of work (along with other financial obstacles). The collection agency for the credit card called today. She asked what my intentions were with the balance. I asked for her last name and she would not give it. Then she became real rude with me and said the account will be charged off. I became real defensive with her but thanks to your information, i will now request they send everything in writing. Luckily I have not made any deals over the phone so I have the leverage, my money. Thank you. I found your blog today through a search. I am going through a credit card collection now. I charged a balance of $5k a couple of months ago and now I’m out of work (along with other financial obstacles). The collection agency for the credit card called today. She asked what my intentions were with the balance. I asked for her last name and she would not give it. Then she became real rude with me and said the account will be charged off. I became real defensive with her but thanks to your information, i will now request they send everything in writing. Luckily I have not made any deals over the phone so I have the leverage, my money. Thank you.

]]> By: Carnival of Personal Finance #127 - Wonders of the World | Moolanomy http://bettercreditblog.org/2007/11/12/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-8 Carnival of Personal Finance #127 - Wonders of the World | Moolanomy Thu, 22 Nov 2007 16:49:00 +0000 http://www.bettercreditblog.org/wordpress/1969/12/31/my-third-mistake-i-dealt-with-creditors-over-the-phone/#comment-8 [...] Better Credit Score Blog presents My third mistake: I dealt with creditors over the phone — Ryan shares his hell on earth experience dealing with 3rd party collection agency and shows [...] [...] Better Credit Score Blog presents My third mistake: I dealt with creditors over the phone — Ryan shares his hell on earth experience dealing with 3rd party collection agency and shows [...]

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