An unexpected call or letter from a debt collector can be quite unsettling. This is especially true when a debt collector starts to get aggressive and threatening, which happens often. Before we get into specifics about dealing with debt collectors, the most
Most of you are probably reading this because you have a bill that’s gone into Verizon collections. The first thing you need to find out is if the collection has been reported on your credit report. If you haven’t already, pull a
You’ve just received a letter from a debt collector demanding that you pay a debt that’s years old. Perhaps you don’t even remember the debt. What’s the best way to handle this situation? Why am I being contacted about an old debt?
Let’s talk about debt collections. Many of the visitors to this blog ask me about collections. For example, what exactly is a collection, how do they affect your credit score, etc, etc. I want to dedicate an entire article to debt collections
Question I did not give a debt collector my bank account number, but I saw they tried collecting from my account. Is there any other way for them to get my account information, legally? Or should I pursue legal actions against them?
Question A majority of my credit reporting issues are, unfortunately, alot of medical bills I’ve been unable to pay over time. Not sure how these are seen in terms of the statute of limitations, but I recently received a letter from the
Question I went to the hospital several years, and left with a a large bill that I was unable to pay in full. I set up a payment plan with the hospital to pay the account over time. I’ve paid the agreed
Question I have read on a couple of websites that asking a collection agency to delete an account once your willing to pay it in full does not mean that it will happen. How do you work around that once you’ve paid
Question I have 7 collection accounts on my credit report, and I am willing to pay them off. But I really want them removed. what is the first step in doing this? Response You’re in a good position if you’re willing to
Question I’ve have charge offs on my credit report that are about 3 years old, would it be better to try and fix them with he original creditor or the collection agency ? Response Are they paid? If not, are you looking