 Is anyone in my situation..I havent paid my credit cards in 2 years!? |
| I just couldn't. Now i'm freaking out because I don't know what could happen from here...Someone help!... |
|
 Only serious answers please. Those that are cynical will be reported.? |
| I have a high cellular phone bill, and am having trouble paying the bills. What do the consolidation companies for debt do? charge? Where can I find some help? We both have jobs but are suddendly not ... |
|
 I just started a position working from home... I need an emergency cash loan or payday loan.? |
| Does anyone know of a LEGITIMATE cash loan or payday loan company that does not require you to work at your employment for at least 3 months? Most sites I go into and fill the application need you to ... |
|
 If you had 10k to either pay off your car or use as a down payment on a home? |
| What would be the best thing to do? The car loan is at 6.9% and the payout is 13k....Thanks.... |
|
 I'm being sued for a debt that is over 5 years old? |
| I was served with court papers on Saturday, I'm being sued for $7400...from almost 6 years ago. I had a loan for a vehicle, I lost my job and couldn't afford to make the payments, I gave ... |
|
 Does anyone have urges to spend money you can't afford.......? |
Then get into a lot of trouble for it?
I mean like all the time and never learn from the mistake?
Additional Details
Are you suffering from bipolar bre?
Just wondering, because ... |
|
 What are some things i can do to reestablish my credit? |
| i got a car in April and i make all my payments on time..but i still got turned down for a credit card..i tried to get a loan from a bank and i got turned down for that too..All i want is to prove ... |
|
 14 year old makes $50,000+ ONLINE!!? |
| how would you feel if this were ... |
|
 Should i payoff my car or paydown my house? |
| i have 4 years left on my carpayments, 3 years left before my 2nd mortgage (interest only) adjusts. should i use my extra $$$ to pay off my car or paydown my mortage principal?... |
|
 Not paying cc debt..? |
| my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can ... |
|
 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
|
 Money help, we are so much in debt and don't know how to get out!? |
| I don't know how to get back on track. We aren't making as much money as we were a year ago. Our credit is going down the tubes. Literally! Our credit scores were in the high 600's and ... |
|
 I have a bill that might be reported to the credit bureau? |
| I have a bill for $90 that I just got a letter from saying that if I don't pay within seven days it'll be reported to the credit bureau. I already talked to these people like three weeks ... |
|
 I have an HSBC debit card...? |
I am looking to buy something online...but the only options for cards are VISA,MASTERCARD,JCB,SWITCH,SOLO and ELECTRON...
My debit card has MAESTRO on it (and CIRRUS at the back) Which one ... |
|
 I'm 19 and have no credit but need to get some? |
| what do u suggest i do as i don't have enough credit to get credit cards etc.... |
|
 Credit card with score of 636? |
| what credit card can i get approved for with a score of 636 and i derogatory item on my report which i am currently disputing i already have a secure credit card i am just looking for a way to ... |
|
 Will I still have a bad credit? 10 points for honest answer. Thank you? |
| Over 2 years ago I had a minor accident. I went to the hospital for couple times. The bills were about $990. I had a health insurance, but the health insurance have never paid for it. Finally, last ... |
|
|  |
rallman@sbcglobal.ne... | How do you respond to creditors who harass you by phone.? |
This company calls quiet often even though I have told them to stop because I never had an credit account with this company and if I did it is way past the statute of limitation. They want me to prove I don't owe money instead of them proving I do. I ask for evidence and get nothing. I think they are tryin to rip off elferly because they think we are stupid |
 |
 
Ta Dah!
 |
I agree that this company is trying to rip you off because I know that they are the ones that must prove that you owe funds.
Next time they call get all of the information from them that you can concerning where they are located and then file a complaint with the Better Business Bureau.
If you can go to an attorney that might be better because they are breaking laws that are supposed to prohibit them from calling once you have told them to stop. |
|
dragonfire
 |
do not talk any further with them
instead write a letter like this
send it certified return reciept
November 13, 2006
Dear _____________________:
This letter is being sent to you in response to a notice sent to me on November 3, 2006. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
• Prove the Statute of Limitations/UCC has not expired on this account
• Show me that you are licensed to collect in my state.
• Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that your offices make no telephone contact to me at my residence or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose. |
|
douglas l
 |
Your question has pretty much been answered already but I do have a couple of things to add. DaMan is right, you must send a certified letter demanding they cease and desist from any further phone calls. That way you have dated, legal evidence of your request which is important because by federal law collection calls must stop upon your demand. If they persist beyond that you then have recourse to take legal action if you choose to take it that far, believe me THEY will not want to take it that far. They know they are breaking the law and can be sued.
Collection companies operate on harrassment. They purchase old debts from previous collectors or creditors for pennies on the dollar and then attempt to collect the full amount from you, that's how they make their money. Even if the debt is not yours they will attempt to harrass and intimidate you until you give in. Don't let them push you around, you have the law on your side. The other good answer you received here is the letter you should send. Send it, via certified mail, along with a demand to cease collection calls, and then wait. They have 30 days to verify the debt and inform you via mail. If they do not any further collection activities on their part beyond 30 days are legally actionable, and they know that. They just hope YOU don't know that.
Do those two things and the problem will go away. |
|
luciousgreeneyedlady
|
If you never had an account with this company, how would they know about you? Is there a statue of limitation on money owed? If you need evidence then they should give you something to prove you owe them money. You would think they wouldn't have a problem with that considering it might get them their money faster. Do some investigating on the company, check with the BBB. Next time they call ask to speak to the manager. Get some legal advise. Maybe this is a scam. |
|
ralam848
|
Change your number /or go to donotcall.gov/ or go to better business bureau's website click complaint enter the companies ph# it should give you their phone# & address all info you will need to contact them& you can even file a complaint while you are there...Goodluck |
|
ne11
 |
Send them a certified letter denying it is your debt. This happens frequently because collection agencies buy old, expired debts for a penny on the dollar so whatever they collect is gravy.
If you are married or divorced, the debt could be from the spouse or ex.
If the agency continues to harass you, write a complaint to the attorney general in the state where the collection agency is located. |
|
octoberbabye
|
The next time someone calls, ask for them to send you the information in writing. Tell them you need to verify all the information, and also get their address. Write them a letter, with a signature required, just asking them to send you a letter with all the information.
While you have them on the phone, get all the information- the name of the credit account, the number, the address associated with it, how much owed, and the payoff amount. Get the name of the person you are talking to, and insist on a last name and extension.
Then get in touch with the company on the credit account. Verify all the information. Get the name of the person you talk to.
This happened to me and it was an account for someone with the same name. I was able to get the company to stop calling and clear their records. Having all the information was very important, as well as this technique. Do not answer any more of their questions until they answer yours. Just keep asking your question calmly. You can explain, again, calmly, that you want answers and will wait until they give them. If you stay calm, persistant, and polite you will get results.
Do not give out your social security number. They can verify with only the last 4 digits.
Keep copies of everything, noting the time and date when you call or are called.
You might want to inform the credit bureaus.
If the calls continue, you can make a report to the police. Also your state representative (look in the phone book) can help. Your vote is valuable to them and they will assist or point you in a helpful direction.
Hope this helps |
|
DaMan
|
Send them this form letter CERTIFIED RETURN RECEIPT REQUESTED and keep postal receipt.
If they don't validate the debt within 30 days -- you are golden.
You need legal proof that you sent them the dispute letter -- CERTIFIED letters provide this. |
|
Studly
|
Follow my advice and I guarantee you will get these guys off your back.
1) Read the Fair Debt Collections Act (see link below)
2) Send these guys a letter (see below). Demand the following:
-Validate the debt by supplying copies of contracts, bills, receipts, and everything they claim you owe.
-Cease and desist all communications with you.
3) Go to http://www.annualcreditreports.com and see if they placed a negative report to your credit history. If so, dispute it with them.
If you do all of this, and they continue to harass you, they are now in violation of the law and you can sue them in small claims court very easily...and you WILL win. You do not need a lawyer, and it won't cost a lot. Well worth the trouble because you will win $1000.
Contact me if you need more advice. I'm not a lawyer or credit counselor, just someone who helps people with collection agent issues. |
|
karen v
|
do like I do tell them to send you the evidence where you had the count with their compnay and if they can't send it to you then tell them you are going to sue for harrsement. this works for me. |
|
CJ
|
You are right!
The FDCPA requires written proof. Get their name, who they represent and the address. I had this problem and used my Pre-Paid Legal membership to have an attorney write a letter. This got their attention and put an end to the harassment. You can get the membership for $26 / mo at www.wfwppl.com. If you think there may be an issue with Identity Theft - add the Identity Theft Shield for $9.95 / mo. It monitors my credit 5 times a day and if something pops up that's not mine, they fix it, I don't have to deal with it.
P.S. I did much of what the previous responder suggests. The written letter coming from an attorney put an end to 6 months of harassment while my expertise with the Fair Debt Collections Practices Act and demanding my rights got me no where. Yes, they were in complete violation of my rights but until I got the attorney in the mix, they didn't know I had the you know what to come after them. |
|
ipodman
|
most of the people who call , know nothing of the laws.. there are simple people who make phone calls hoping to intimidate those who r weak.. they get paid on commission.. if you do owe them money and its a collections account, u r acctually in control.. you can get things settled for pennies on the dollar if you are perssitant enough. in the end those company know the wont get the full amount owed to them.. i have gotten my freind to settle for an account he owed 1400 on for only 350.00.. just dont let them strong arm you.. |
|
healthspot_2000
|
Go to www.annualcreditreport.com order your credit reports and DISPUTE it on your credit reports. They will stop soon! :) |
|
Debt Free!
|
hang up |
|
clawedlemew
|
File a complaint against them with the FTC. Report them to Better Business Bureau and write about them on Planet Feedback.
Send them a certified letter demanding that they cease communication with you.
If all else fails file an FDCPA lawsuit against them.
Post the name of the collection agency here.
And see if you can find them on budhibbs.com (Agencies to Avoid). |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 15 minutes(s) ago
| | | |
14 | 28 minutes(s) ago
| | | |
6 | 48 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
14 | 7 hour(s) ago
| | | |
14 | 11 hour(s) ago
| | | |
14 | 1 day(s) ago
| | | |
14 | 6 day(s) ago
| | | |
14 | 1 week(s) ago
| | | |
9 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
