 Cant get credit? |
| i can not get credit to save my life. my situation is this. i earn about 24k, and im on a debt management program and have been for 3 years and it is not an iva, also my monthly payments have never ... |
|
 Money order scam. I'm a victim and could be $4000 overdrawn at the bank. what do i tell them? I know im stupid |
| i was looking for a job in accounting on yahoo jobs. this one place responded and explained i was going to cash money orders for them and wire the money(after my 10%) to another United States ... |
|
 How can I pay down my credit card debt? |
| I graduated from college recently with approximately $8,000 in credit card debt,as well as an $8,000 student loan. I am in a full time job where I am paid $12 an hour, and cannot seem to find another ... |
|
 Has anyone ever had a car saleman lie to them about their credit score? |
| I'm not sure how commen this is. I am 100% sure that all 3 of my credit scores are over 720. Just checked in online today, plus my mortage broker showed me the reports a few weeks ago when he ... |
|
 How can I improve my credit score fast??? |
I checked my credit score about a month ago on freecreditreport.com and my score was 665.
This month I apply for a loan to purchase a home and because I had 2 credit cards almost max out my ... |
|
 Why do Americans have so much credit card debt? |
| I ask this because a few months ago I had about $1,500 in credit card debt at about 9% interest. I thought this was a lot. Then I read that the average American has credit card debt in the amounts of ... |
|
 My wife is being harassed by a collection agency that we have not heard from in 7 years. Help!? |
| My wife had a credit card that had a $2000 limit on it in 1994. She made payments on it for awhile, but stopped in 1997 when money was tight. She did not receive anything from the credit card ... |
|
 Bad credit without ever having a credit card? |
I need help. I am 26 years old with horrible credit. I have never had a credit card, all of my stuff is from bad decisions and not having steady income. (was a server for almost 9 years)
M... |
|
 Is there a way to get a full credit report for free? |
| I heard once this is possible once a year. Any leads on where I can get this?... |
|
 I need a loan can anyone in the usa help? |
| I am in search of a loan ,,,, I don't want one of those scammers of a private loan company ... i wnat something in the usa ... can any one help !!!... |
|
 Can I get a personal loan if I have a horrible credit history and currently have no open account? |
I Got kicked out of my place and I really need a loan to pay a down payment to this apt. Im moving in to, but Im thousands of dollars in debt and im afraid to open a new account.
Additional D... |
|
 Bad credit help? |
| hi i am 33 years old and over last years i have had bad credit cause of losing my job having a loan with no security ,unable tp pay loads of debts having thins for my partner wich he never payed i ... |
|
 What are the ramifications of not paying a credit card bill at all? |
| if your credit is already destroyed why bother paying the bill? What else can they do to you?... |
|
| Advice on a loan? |
| hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone ... |
|
|  |
Go 24! JG is Awesome! | I received a letter stating that my account had been placed with a National Collection Agency? |
This is a medical bill apparently. The first sencence says Your account has been placed witha NATIONAL COLLECTION AGENCY. Our client has not yet received full payment from lab work your physician ordered on your behalf. The next sentence states "These tests were not included on any other bill you might have received." How can they send me to collections without even notifiying me that I owed them money?!
Additional Details
The amount is less than 50.00 and unfortunately, I have been going to a LOT of differnet doctors in this past year trying to find a new one that I really like. (My old doctor relocated out of state ) The name of the collection agency is Allegheny Recovery Services in Moon Twp. PA. |
 |
 
lil southern girl
 |
First, do the things all the answers above me have said as far as verifying if the bill is real. If it's not, send a certified letter to your state's Attorney General's office about the scam and attach the scam letter with it. Be sure to also send a certified copy of the letter to the Attorney General to the company scamming you, LOL. |
|
richdevens
 |
Do you have health insurance? Sometimes providers get so sick of tying to pry money out of these insurance companies that they just send the bill to a collection agency hoping YOU'LL pay for it.
But it sounds like it could be a scam, too. Definitely try to nail down the service provided, the date, provider, etc. to see if this is real or not.
Just what you needed; another hassle. I hope it turns out well for you. |
|
booboo
|
You have 30 days from the date of the letter to mail them your dispute letter, they are required by law to send you proof that you owe that money. |
|
Rixie
 |
They can't. You need to send them a certified letter, return receipt required, asking them for documentation that you actually owe this bill. By law they have to respond in order to collect the debt. Do this quickly as there is a time limit on when you can dispute a bill.
Be very careful if you aren't 100% sure you owe this money. Scams send out letters like this all the time hoping people will pay them without checking to see if it is a valid bill.
If you do think you owe the money, check with the original provider to find out for sure who they sold the debt to before you pay the first dime. |
|
Paul B
|
A lot of hospitals do this but what you should do is to reply to this "alleged" collection agency and ask them for an itemized list of what exactly what you owe this hospital.
You may never hear from them again. and If you do you can always just check with the Hospital to verify that you do in fact owe them some money.
Then to - I just ignore these kinds of notices because so many of them are just scams to have the fools send in their money! |
|
Matt
 |
The first thing you need to do is dispute the debt with NCA. These guys are very annoying and will stop at nothing to get you to pay. You have 30 days to get this done.
Secondly, call the office and find out if and why they placed your account with collections. This may be a bill that your health insurance company should have paid.
If the debt is valid, offer to pay for removal of the negative entry on your credit report. Get all corespondence in writing. |
|
beccasmom99
 |
Don't take their word for it - call the lab/hospital themselves and ask them about it. They can verify the debt and whether or not it was sent to collections (and which one). Start there first.
When in doubt - ask questions - don't just start sending them money. Sounds fishy to me, if you need to have an atty check it out for you. |
|
Barkley Hound
|
I would check with the lab to see if this is legitimate. It does not sound right.
This is the address for National Collection Agency
1620 School Street
Suite 105
Moraga, CA 94556
Make sure it matches
This is their web site
http://www.nca-collect.com/ |
|
Mandra
|
Call the doctors office to make sure that they billed the insurance company. Call your insurance company and ask them where to go from there. |
|
ark_user
 |
It may be fake. You've seen scams on the Internet? If you send people money, they generally take it, owed to them or not.
Check it out before you pay anything, call whoever the "bill" started with, and see if it's real, or not. |
|
danxtsupamodel
|
They have to make you aware of the past due bill first.... But you have to make sure that you keep up with medical issues that insurance and companies didn't take care of. I have an account with Nac and it's from a account I had over 5 years ago. I knew I had the bill I just wasn't able to pay it and the company told me they sold it to another company and they would contact me.
Well it's been on my credit report as unpaid and I have tried everything to pay the bill. It's was my fault that I let it go so long and didn't keep up with my finances.
You have to call them and ask them to send you more info an then just take care of the bill and you should be fine. |
|
sugarplum
|
If you feel your bill is an error then you could contact your insurance agency. If it is not an error and you're not able to take care of the full amount then the collection agency might be able to put you on a payment plan so that your credit score is not affected. |
|
lavallelee
|
Cause they are evil and greedy thats why. Seek legal advice. |
|
Mr Mysterious
|
I tell u this is a sure shot gimmic, sucks big time. You see my name???? you think there cud be another guy like me who does these things more than i do?? no, and because it is no, it is also proven that i know far more than the others, i have done that i hundred times. Don't waste your time , it just a peice of crap.
OH OH I"M SORRY>>>I DID NOT READ THE EXTRA PART>>>>>>> |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 22 minutes(s) ago
| | | |
14 | 43 minutes(s) ago
| | | |
14 | 58 minutes(s) ago
| | | |
14 | 3 hour(s) ago
| | | |
14 | 4 hour(s) ago
| | | |
14 | 6 hour(s) ago
| | | |
14 | 9 hour(s) ago
| | | |
14 | 10 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
12 | 4 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
