American Profit Recovery

Two months ago, our credit card debt from Sears was over. I’m thankful to the Collection Agency that resolve this matters ... more profitable, but change the fundamental way in which a collection agency operated. They have a proven ... . The Agency agreed to our demands. We want to pay the remaining balance for up to 6 months [more...]

Date: 2009-01-10 01:07:14

Blog posts (21) | Videos (14)
 

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post ... and other agencies report your habits to credit bureaus, organizations that collect this information ... . My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card [more...]

Date: 2008-09-16 12:00:22

Collection Agency calling from 571-431-1958 (Washington, VA)

Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]

Date: 2009-09-25 19:53:49

Debt Validation: The ultimate weapon against the collection agencies

You could try to use debt settlement methods (including our do it yourself online training for debt settlement) ... . (If you are wondering how a collection got on your credit report in the first place, read ... The FDCPA does not cover collection tactics employed by original creditors (like credit card [more...]

Date: 2008-06-19 11:12:40

Identity theft sample letters

Identity theft sample letters It’s unpleasant to find out that someone stole your credit card numbers, but it’s even worse when a collection agency begins harassing you over debt you didn’t create ... clear their names and protect their credit. Source: CreditCards.com [more...]

Date: 2008-09-06 06:34:18

Prosper Update

A lot of Prosper borrowers tell you all the reasons they are good people and why you can trust them ... ? I’m sure he knows he is. Is it better for me to act as the collector vs an actual collection agency ... that would otherwise be languishing, i.e. not used to pay down credit cards.) [more...]

Date: 2008-07-05 15:05:03

Home Buying 101 - Step Two: Know Thy Credit

This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]

Date: 2008-12-30 21:06:36

Debt Collection Agency

It’s hard to eke a living these days. Cost of living has gone up so much since June and many of my relatives and friends are finding it hard to make ends meet. A few of them have started to default in their monthly credit card and house mortgage ... a chicken rice seller. He did say that he might want to engage a Debt Collection to help [more...]

Date: 2009-01-15 17:14:22

After my personal experiencing the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some advice ... Collection Agency: So finally I just want to introduce this website which can be helpful ... . The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]

Date: 2009-01-15 15:04:28

Facing Debts after Wedding

After my personal experience in the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some ... . 3) Debt Collection Agency: So finally I just want to introduce this website which can be helpful ... much debt. The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]

Date: 2009-01-15 15:04:28

The Basics of Dealing with a Loan Default

Credit Cards by Andres Rueda on Flickr! Over the past few weeks, ... that debt turned over to a collection agency (if your debt doesn’t have collateral). The impact ... , this will begin to affect your credit (usually when you’ve been in default for thirty days or more), which [more...]

Date: 2008-12-09 20:00:29

Career Alliance debt climbs to more than half-million for improper spending

GENESEE COUNTY, Michigan -- The state has started formal debt collection of more than a half-million dollars against Career Alliance Inc., the taxpayer-funded job training agency that regulators say over-paid vendors, ran up unsupported credit card bills, and improperly spent... [more...]

Date: 2008-10-09 23:18:46

How to Safely Restore Your Credit Rating

If you have been trying to repair your credit and have had problem credit in the past such as late credit card payments, ... credit cards that were turned over to a collection agency or even a home foreclosure, these effects may have lead to a derogatory rating on your credit report. Keeping multiple high balances ... [more...]

Date: 2009-01-03 03:30:08

Credit Blemished Over Imaginary Credit Card [Debt Collectors]

The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... by disputing it as invalid you may be able to get it taken off your credit report if the agency reporting [more...]

Date: 2008-10-30 19:20:44

Debt Collections: Common Questions and Answers

by Jon Ochs If you find yourself in financial difficulty and are falling late on some of your bills, ... from a collection agency regarding a credit card bill. How did they receive my information? Why isn’t the credit card company contacting me directly? The company or organization that you initially [more...]

Date: 2008-10-19 22:19:34

Statute of Limitations in Ohio on credit card debt; Open Account vs Written Contract

From Debt Prison Forum a reader asks for advice in response to a collection agency dragging up an 8 year old credit card debt ... written contract’?  I have a credit card debt from 8 years ago. (Capital One) The amount is $792.00 ... get by with what we have. I just had to take out a loan within the last month ($3500) to get a used car because [more...]

Date: 2008-11-12 02:31:36

How To Deal With Bill Collectors

In today's unstable economy people are consumed with financial matters ... , the credit card company may report you to a collection agency. This debt collection company is hired ... . Initially, you'll receive calls from your credit card company informing you of your late payment [more...]

Date: 2008-12-04 01:40:51

How I Ruined My Credit

by Frances Lexington A few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies. My life became a living hell of collection calls and non-stop harassment from debt collectors. Finally, I filed bankruptcy and was relieved of my debt, but the damage to my credit was already done. [more...]

Date: 2009-08-05 17:13:14

How To Get Debt Collectors Off Your Back Permanently

Debt collectors are liars, cheaters, etc… They take advantage of every loophole possible and even break the law ... to a collection agency. 95% or more of these debts are credit cards, store cards, gas cards, etc… These debts are then tiered according to age of debt, amount, credit, job history, etc… Generally most debts [more...]

Date: 2008-12-19 15:45:11

In Uncertain Times Innovation Prevails for One Savvy Collection Agency

NEW YORK, N.Y., Oct. 16 (SEND2PRESS NEWSWIRE) -- In response to economic uncertainty, New York based collection agency Williams, Charles & ... to liquidate their debts via major credit card or "via check by phone," 24/7 in very unique ways. Unlike credit card payment offerings used by others in the industry, WCS' collection staff can tailor the [more...]

Date: 2008-10-16 11:06:59

How To Do A Credit Card Debt Consolidation.

Credit card debt consolidation allows you to pay your current debts in 3-6 years. Under a debt consolidation plan, terms and conditions change ... representative. There may be instances that your account will be turned over to a collection agency ... cause the creditors to resume the normal collection activities and what’s worse, they might turn [more...]

Date: 2009-01-15 14:28:51

21 Results