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 How soon can my car be reposessed?
My payment was due on the 13th, but I haven't been able to make the payment due to a family emergency. I am planning on making the payment on October 1st, when I get my annuity money, but until ...


 What kind of credit card can you get if your name in collections?
...


 Trying to get a Credit Card with a 600 credit score?
My credit score isn't very high and i would like to inhance my score with a unsecured credit card, but i would like to know eactly what company to use because i dont want to apply for varies of ...


 My bank of america credit card had a limit of $600. now it has a limit of $1200. why is that?
i never asked for a credit line increase.
and i have never paid my bills late....


 Will some one paypal me a few grand please ?
Anyone here flush ? im nearly broke and could do with some cash. can anyone paypal me some money ?
Additional Details
I do have a job thanks. . . im still broke
please pay me some ...


 How do you borrow money when your credit is really really bad and you do not own a home?
i dont make as much money as i used to i cant afford to make payments due to the amount of child support i pay which is never late but i am about to lose my ...


 How do I get Capital One to stop sending my children credit card applications in the mail?
...


 Is it a good idea to cancel my credit cards after I clear their balances? Or will it hurt my score?
I have three credit cards and was thinking of just keeping 2....


 How Should I Pay Of This Debt?
I have 1 question. What is the difference between settling a debt for a settled amount(example: $4,000 debt settled for $1500) and paying the debt in full? What I mean is, which option will make your ...


 Do (can you, will you) live without credit cards?
...


 My Experian Credit Score is 644, my Equifax is 617. Which one is right?
I am getting married soon. My fiance and I have about the same credit scores. Which one is right for mine? Also, will it be hard to get a loan for mortage with our credit scores ranging 600-660?...


 Can my bank sue me for not paying back an Overdraft?
Hi,
Basically in a short sharp nutshell my bank removed my £300.00 overdraft (as apparently it was ready for review - although I wasn't made aware of this until the kind lady on the phone ...


 How do I find my credit score for free?
In other words which companies offer free annual or semi-annual ...


 Online debit card?
I'm only 17 but I desperately need an online debit card. It needs to be able to give or receive cash, and of course start with $0 (because it's not a credit card).

I have to ...


 How much did YOU charge on your credit cards this holiday?
...


 What credit card is better??
I want to open up a gas card pretty soon, so I'm looking around. I live in Northern CA, and there are many Valeros, Shells,and BP stations like AMPM around. Would I be better off applying for a S...


 If I want to consolodate all my bills by refinancing my house?
I would like to refinance my house and consolodate all my credit card debt into it......does that require getting my house appraised????...


 I have tryed to use my credit card and it will not let me why?
...


 A collection agency is offering 40 cents on the dollar, but says the offer's only good for a day. Is it?
A collection agency contacted my mom two days ago for a delinquent account. The person she is speaking to is offering a 40 cent on the dollar cash payout on a $13,000 balance, but says that the ...


 Pin number reversal?
PIN NUMBER REVERSAL "If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your Pin # in reverse. For example if your pin number ...



redmouse
How do debt collector works?
I have an international friend who stayed for 3 months with me and now she left for her country with a bill from debt collector coming to my apartment.
She had a car accident which was her at her fault while she was travelling in US using a rental car. She didn't but the insurance from the rental company but her rental car damage was covered by her credit card. However, not in the case for the other car that she hit. Their insurance company wanted her to pay for all the cost. She told them that she is just a tourist in US and don't have any insurance and also told them that she was leaving States. Which she did after that. Now the Debt Collector sent her the bill to my apartment, which she used during her stay here for 3 months. What should I do? I have no involvement in the whole incident.
                     
 




Studly
Rating
I have to disagree with No White Flag and Echo....they are on the right track though.

If you send the letter back unopened, it doesn't solve the problem.

Depending on the state you are living in, they could file a lawsuit and deliver it to your address, which is the last known address of your friend. That would constitute a legal service, and they can get a default judgement awarded. Note that this is in only a few states, but it's best to cover yourself.

Send the letter back to the collection agent, along with a letter from you explaining what happened. Be sure to say that she has left the country and left no forwarding address, and you have no way to contact her.

Send this by certified mail, so you have proof it was sent. In the event that they should file a lawsuit and get a judgement, that letter will prove they did not make "a dilligent search" for the defendant, since they knew your friend no longer lives here and is out of the country.

That should cover it...good luck


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