Rx for Arizona Consumers’ [HomeBuyers} Credit
Find out what’s in their file. Every U.S. consumer is now entitled to one free credit report annually from each of the three credit bureaus: Experian, ... a collection agency. Excise outdated information. By law, credit bureaus are supposed to remove information ... is to write a letter to all three credit bureaus detailing the dispute. (Some states [more...]
Date: 2008-12-23 19:30:07
Blog posts
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Videos
(94)
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
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 Repair Bad Credit – Learn How Credit Repair Works
It is something that none of us want to ever have reason to do but if you should ever need to write a credit repair letter then it’s important that you go about it in the right way. All too often these letters, which can be sent to creditors or credit collecting agencies, do not include some of the vital information necessary. As a result, they are very ineffective. [more...]
Date: 2009-09-15 06:01:24
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
Disputing Negative Information Found On Your Credit Report
Your credit report is constantly changing depending on your spending habits or especially in the event that you have become a victim of fraud ... do it yourself or hire a professional credit repair. If you choose to handle re-establishing your credit ... bureaus and the collection agency. First thing you will need to do is write a letter to the credit [more...]
Date: 2009-01-08 20:01:24
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
The truth about collection accounts.
by JR Rooney The debt collection industry is a billion dollar industry. According to Rapid Recovery Solution, Inc ... to develop a strategy to collect money owed: name, address, credit report, credit application ... but not always. When you receive a letter from a debt collection agency, verify that the company contacting [more...]
Date: 2008-12-17 08:13:34
Can Collection Agencies Sue Me For Outstanding Debt?
Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]
Date: 2009-09-29 11:34:48
The Importance of Repairing Your Credit Report - Yourself!
It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]
Date: 2009-01-15 01:44:04
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
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
Remove NCO Financial From Your Credit Report
by Justin Hutto NCO Financial is a collection agency. They collect for retail, financial services, healthcare and other industries ... bureaus. Another option is to hire a professional credit repair company ... is your legal way of telling the credit bureaus that you are disputing the accuracy or validity [more...]
Date: 2008-10-02 16:12:02
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
Surviving Debt with Professional Debt Settlement
by Kevin Fresner Debt relief scares a lot of people. Many people actually consider it to be worse than actually being in debt ... more important than not asking for help because it looks bad. Debt settlement is a viable option ... of your negotiations. Credit companies and medical collection agencies will be more likely [more...]
Date: 2009-01-17 20:49:36
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
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
Questions About Collections? Ask Melissa
Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way. Consumer debt is not transferable ... the payment. The agency will report to the credit bureaus that the account is paid, if applicable [more...]
Date: 2009-01-14 13:00:17
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
Lithuanian Collection Agency Hires Witch to Hunt Debtors
In these difficult times for creditors, a Lithuanian debt collector is offering an unconventional service to retrieve arrears: witchcraft ... , then there's something very wrong with this country," said columnist Monika Bonckute.Lithuanian Collection Agency ... witch, to hunt down companies and individuals who are failing to pay their debts amid the credit [more...]
Date: 2009-01-16 18:21:00
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
14 Companies for Surgery Centers and Hospitals to Know
Here is a list of 14 companies for surgery centers and hospitals to know. Affiliated Credit Services — ACS is a debt-collection agency that services regional and national healthcare clients. ACS has expertise in medical, banking and judicial debt. ACS also provides first party self-pay balance recovery services, as a business office extension, through its subsidiary Enable Billing Services. [more...]
Date: 2009-08-20 13:00:59
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
Collapse and Ruination from Gluttonous Growth
by The Mogambo Guru I was sitting outside, looking up at the stars, and wondering how many planets circle those billions of twinkling lights, ... for repayment until that day when the collection agency finally decides to just write the whole damned ... and credit by a central bank (like the Federal Reserve) so that somebody could borrow that money and [more...]
Date: 2008-12-18 19:21:05
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
Help a Reader: Collections
From a reader: I received a call from a collections agency today about a bill from a doctors office ... up on your credit report. I had excellent credit before, and now I am afraid I am going to get docked points ... . I have never had a bill go to collections in my life, and I've always paid immediately. Evidently [more...]
Date: 2008-09-18 18:54:04
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
Verizon Was The Most Frequent Target For Identity Theft Scams In 2007 [Graphs]
Identity theft reports to the Federal Trade Commission show that Verizon was the most frequently named company, ... nearly tripled from 2006. Rounding out the top five are AFNI (a collection agency), JP Morgan Chase ... created from pre-approved credit solicitations. Hoofnagle asks for increased transparency by businesses [more...]
Date: 2008-07-24 22:54:12
Inttroduction (3)
Credit bureaus get most of their data from creditors and collection agencies ... . And they go through county records to find recorded liens (legal claims) against property. Non-credit data made part ... on obtaining a credit report.) Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin [more...]
Date: 2009-01-09 04:31:36
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
NCO Group - End the Calls
by Justin Hutto If you are being contacted by NCO Financial it is regarding an unpaid debt ... a delinquent debt on the borrowers’ credit report for longer than 7 years. They were forced to pay ... collection agency with a history of FTC violations. NCO is often hired to come in and collect [more...]
Date: 2008-07-17 02:40:37
How To Repair Your Credit If You File Bankruptcy
Debts are piling up. Bills are coming in. Collections agencies are phoning and sending you certified mail demanding money ... the recently bankrupt as customers. And now is the time to begin credit repair. Immediately after ... and when they will be able to regain their credit. The following should help you understand that the future [more...]
Date: 2008-10-27 15:03:50
How To Repair Your Credit If You File Bankruptcy
Debts are piling up. Bills are coming in. Collections agencies are phoning and sending you certified mail demanding money ... the recently bankrupt as customers. And now is the time to begin credit repair. Immediately after ... and when they will be able to recover their credit. The following should help you understand [more...]
Date: 2008-10-13 06:23:15
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
Collapse and Ruination from Gluttonous Growth
If $2.8 trillion has been lost, then how much of this lost money that came into existence when it was first borrowed from a bank, ... that day when the collection agency finally decides to just write the whole damned thing off, having ... economy on the planet Earth, would allow such unfettered expansions of money and credit by a central [more...]
Date: 2008-12-19 11:19:50
Debt Fraud is Real: What you Should Know
Recent statistics have shown that millions of consumers are affected by debt fraud each year, ... the identity of the debt collection agency. They do not consider the possibility that the whole thing ... even deeper in debt. Credit elimination experts indicate to consumers potential ways they could [more...]
Date: 2009-01-16 00:24:21
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
WHAT THE HELL?
WHAT THE HELL? By R.J. Godlewski ©August 13, 2008, ... ) for any change, my credit report will show that I continually owe $126 in regards to an account ... behind my choice arose when I collected my morning mail and opened a letter from a collection agency [more...]
Date: 2008-08-13 20:56:29
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
Best debt collection agency!!
I was the finance head for my department and I used to suffer a lot and it was a real pain when it comes to recovering money that is owned. You give out goods on credit and then they fail to pay the money back. That’s when my friend suggested my a good debt collection company. American profit recovery is a wonderful debt Collection [more...]
Date: 2009-01-16 04:13:52
Finance - Collection Process on Personal Loans
by Marcel Mahrer Personal loans are acquirable for a variety of uses ... to a collection agency. Neither option works well for the borrower or co-signer. Court costs are expensive ... of payments though it causing a disastrous stroke upon your credit report. The pick up routine for any [more...]
Date: 2009-01-17 08:54:59
Sprint ETF Settlement a Raw Deal for Consumers: How you can (easily) fight back (Updated)
Sprint recently settled an Early Termination Fee (ETF) class action suit ... $25 credit on that debt, if Sprint has already sold the debt to a third-party (collection agency ... a bunch of branching paths, but basically it says that you are entitled up to only a $90 credit [more...]
Date: 2009-01-05 10:30:45
Collection agency gives up and uses witchcraft
Yeah it’s Lithuania, but this is comical. I hope it’s a hoax. If not, good luck there, guys. Lets us all know how this turns out ... who are failing to pay their debts amid the credit crunch.“There are certain people, who are using [more...]
Date: 2009-01-16 22:41:01
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
Coming This Week
by Sharona Coutts, ProPublica - Tuesday, September 16 Credit: ProPublica 9:30 a.m ... Secretary Henry Paulson and James Lockhart III, director of the Federal Housing Finance Agency ... to be covered include the FBI’s anthrax investigation, allegations of improper collection [more...]
Date: 2008-09-15 20:02:00
Google reveals scope of Web-crawling task
It's a pity the National Security Agency can't talk about its computational challenges, because it's leaving a lot of the boasting rights to Google. (Credit: Paul Ford) In a blog posting on Friday the company shared some detail ... for the company's collection of a mere 26 million pages took a workstation "a couple hours," and the results [more...]
Date: 2008-07-25 22:01:48
Lithuanuan firm engaged witchcraft in debt collection
In these difficult times for creditors, a Lithuanian debt collector is offering an unconventional service to retrieve arrears: witchcraft ... -styled witch, to hunt down companies and individuals who are failing to pay their debts amid the credit ... and I will do whatever I can to help people,” she said. Local pundits, however, ridiculed the agency’s [more...]
Date: 2009-01-15 17:02:00
Friday Links
Consumerism Commentary hands out a report card for financial rules of thumb . The Financial Blogger lists his top ten Canadian dividend stocks . Wealthy Boomer looks at three ways to protect fixed-income investments from inflation . Bible Money Matters discusses the importance of financial focus and how it leads to results . Five Cent Nickel helps with dealing with a collection agency . Financial Methods points out five monthly expenses that can easily be reduced . [more...]
Date: 2009-09-25 09:00:26
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