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 ... an acknowledgment that you owe the debt. It’s then still up to you and the collection agency to work ... I received numerous threatening calls from a collection agency or an attorney acting [more...]

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

Blog posts (488) | Videos (180)
 

Comcast Didn't Mean To Sic A Collection Agency On Ike Victims

Comcast’s latest customer-service misstep makes you wonder what Sam Houston would think ... service rep.) Since the situation became public, Comcast has asked its debt collection agency ... seriously damaged by Ike received letters from a collection agency informing them they owe [more...]

Date: 2008-10-24 07:54:34

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

Debt settlement – Does it work?

Many people resign themselves to the idea that their debt situation is out of control and that there is no hope ... . In most cases a creditor or collection agency is happy to take a reduced amount. In many cases debts ... . Collection agencies want you to believe that you will face serious problems – from garnishment to seizure [more...]

Date: 2008-12-25 00:24:18

Pyramid Financial Solutions

If you are struggling collecting debt payments from your customers, then you definitely need professional help. This commercial collection agencies that I found called Pyramid Financial Solutions is a full service receivables management and debt collection agency. They offers a wide variety of services [more...]

Date: 2008-12-28 12:08:52

Debt Collection

I recently received a phone call from my friend in New York who is working there as an accoutant ... . She is still lucky to have her job after all. Being in a Debt Collection Agency , they are charged ... , the kids , life in general and even her work. She is working for a debt collecting company [more...]

Date: 2009-01-13 14:16:59

Deep in debt? Desperate? Call in the voice of calm

An insolvency adviser tells our correspondent about repossession, stupidity, sadness, and why he can’t see himself going into the red [ ... who claims he is being pursued by a debt collection agency for a mobile phone debt of £1,103. “It’ ... to recruit 45-50 debt advisers during 2009, and be able to help about 175,000 people, compared [more...]

Date: 2009-01-04 23:36:31

How to Handle the Bill Collectors

How to Handle the Bill Collectors Posted in January 15th, 2009 Category:Debt Relief Credit card debt collection is a big business. There are millions of dollars every year from thousands of accounts that go to collection agencies for delinquency. Being in debt is never easy and it’s a very stressful time. You may receive [more...]

Date: 2009-01-15 05:53:51

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 ... of the charge, however, was when I received a collection notice several months after [more...]

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

such a good thing!

Not all the time that you are the person in debt, although most often it is the case ... , as there are lots of Debt Collection agencies willing to help small businesses. So, if you can’ ... is an affordable collection agency. Remember, no matter how small the balances it can create issues [more...]

Date: 2008-11-21 14:55:57

The Most Common Questions About Debt Collections

by Jon Ochs If this current economic slow-down has found you in a position of financial difficulty, ... that cannot be done by any non-attorney collection agency. Any company or law firm acting as a debt ... you may find yourself dealing with debt collection calls and letters. Here are some of the most [more...]

Date: 2008-10-21 19:54:23

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 ... in this country. LOL! I'm just kidding! Speaking of debt collection, I stumbled upon a site ... more profitable, but change the fundamental way in which a collection agency operated. They have a proven [more...]

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

Bookmarks and Links SITE hand garden cultivator

Looks and designs will only be put to waste if the bride is not comfortable wearing it ... . If the debt is new or small, you’ll probably start by trying to collect the debt yourself before hiring a collection agency or a lawyer. You just have to identify where the time is and use [more...]

Date: 2008-12-30 16:34:03

Restrictions on Wage Garnishment for Debt Collection

Many debtors that have defaulted on their credit card debt or other unsecured loans are concerned about their wages being garnished. Often collection agencies will threaten to turn your debt over to their ‘legal department’ ... for you… at no charge. The U.S. Department of Labor has developed The Federal Wage Garnishment Law [more...]

Date: 2008-11-30 16:13:23

Tips For Managing Your Creditors

by John Brennan Those who find themselves in debt often times find themselves with many creditors ... that limit how they can treat you. It may not seem that way, but debt collection agencies do actually have rules that they need to follow. There is a Fair Debt Collection practices Act that protects [more...]

Date: 2008-10-09 09:34:18

The Water Bill

Quick one tonight!  I got a water bill today, no surprises there, it happens.  The bill reads: “Final Demand Overdue Amount: £5 ... to a Debt Collection Agency or by court action. … … THIS SITUATION IS SERIOUS - ACT NOW TO AVOID ... notice with a thread of debt collection or legal action.  And this isn’t the first time either [more...]

Date: 2009-01-11 01:28:15

3 Insider Secrets To Choosing A Debt Collection Agency

If you’re a playing someone hunting to better your unpaid accounts uncovering an trenchant sparing and reliable assemblage authority crapper be a discouraging task. As in some industry, assemblage agencies depart in both motive and experience. As such, if you opt the criminal authority chances are you’ll retrograde hundreds, thousands and quite easily tens of thousands of dollars both in unrecovered debts as substantially as in offensive assemblage authority fees and commissions. [more...]

Date: 2009-09-22 10:11:40

Fool-Proof 3 Step Formula That Reveals Best Time To Refer An Unpaid Account To A Debt Collector

by Angelo Ioanides A common dilemma for business owners worldwide is knowing when to stop chasing unpaid accounts in-house and hand them over to a debt collection agency. In reality you’re torn between trying to save money and customers chasing account yourself whilst being mindful not to hold on to those accounts for so long that they become virtually impossible to recover. Hence, there’s a threshold where the cost of chasing a debt yourself actually exceeds the costs of using a debt collector. [more...]

Date: 2009-08-22 11:35:09

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 ... with debt scams becoming increasingly common among younger generations. The truth is that people [more...]

Date: 2009-01-16 00:24:21

Project A Day @ Fiskarscraft

Project A Day @ Fiskarscraft birthday surprise Designer: Cathy Zielske http://cathyzielske.typepad ... from the Science Museum of Minnesota to a chain of Texas grocery stores to a national trade magazine for debt collection agency owners. (Yes, even debt collectors [more...]

Date: 2009-01-03 18:00:00

Great Option

Great Option June 4th, 2008 — Loans I ran across the site NoDebtToday(dot)com recently and was quite impressed by the service that they provide ... and debt settlement, Payday Loan Help, Dealing with Collection Agencies all neatly separated ... with you about the section’s subject. For example, the collection agency forum not only has discussions [more...]

Date: 2008-06-04 14:24:14

How Facebook Can Get You in Serious Trouble With Bill Collectors

We recently discovered that bill collectors are using popular social networking sites like Facebook and Myspace to dig up very personal information on people in debt . Recently a bill collector from a collection agency purportedly discovered ... collection calls and threats of garnishing wages followed at this individual’s place of employment [more...]

Date: 2008-11-15 01:33:45

The Basics of Dealing with a Loan Default

Over the past few weeks, ... ). Eventually, a loan default results in repossession or foreclosure (if your debt has collateral) or having that debt turned over to a collection agency (if your debt doesn’t have collateral). The impact [more...]

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

Handling Insurance Debt Can Be Quick and Clean

When people fall into debt, it’s never the same between two individuals ... its forwarded to a collections agency. However, if they’ve already reported your debt, then it’s too late ... your insurance company and find out who the collection agency is. Get their information, and from there call [more...]

Date: 2008-12-02 15:23:55

Collection Agency Scare Tactic: We’ll Get Your Driver’s License Suspended

Collection agencies never seem to have enough tricks up their sleeves for scheming and lying to debtors.  Most recently, it was brought to my attention by a reader that a collection agency had threatened to have his Washington State Driver’s License suspended if he didn’t satisfy a debt.  Considering [more...]

Date: 2009-01-05 00:12:32

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

3 Key Areas To Examine When Hiring A Debt Collection Agency

September 16, 2009 | By David P. Montana In Finance | To operate a organization effectively, every owner has to stay on top of their receivables and monitor their cash flow. Whether you market a product or give a service, you probably have to deal with late-paying or none-paying customers from time to time. That means that you have to have a sound, uniform internal debt recovery policy in place. [more...]

Date: 2009-09-16 16:40:13

Creative Founder Financing

Our guest blogger, Larry Chiang, is an instructive humorist ... . The solution: be your own grim reaper and negotiate to collect on your own bad debt. Collection agencies offer 20-35c on the owed dollar. If you are collecting your own debt, ofer up 55-58c [more...]

Date: 2008-08-20 08:01:31

3 Main Points To Consider When Hiring A Debt Collection Agency

September 17, 2009 | By David P. Montana In Finance | To manage a company successfully, every owner has to stay on top of their receivables and watch their cash flow. Whether you promote a product or provide a service, you probably face late-paying or none-paying customers from time to time. That means that you have to have a sound, consistent internal debt recovery policy in place. [more...]

Date: 2009-09-17 22:18:21

Collection Agency Demands “Lump Sum”

A reader asked for advice in response to a collection agency demanding a lump sum and refusing to accept a payment plan.. Hi Barry, I have a question for you regarding a collection agency. I have a credit card account ... . I’ve been working with Bank of America through a payment program, but they recently sold the debt [more...]

Date: 2008-11-12 01:48:47

What is the definition of Debt?

by JR Rooney What is debt? Debt is something that is owed to someone else ... “debt About the Author: Let no debt remain outstanding, contact a Collection Agency or request ... . An individual person or company / business owing a debt is called a debtor. The entity [more...]

Date: 2008-12-01 12:45:27

Thriving on Less - A Guide to Getting Out of Debt

“Debt is the worst poverty.” - Thomas Fuller It was only a few years ago when I was overloaded with debt – so much so that I couldn’t make all my payments and I had numerous debts sent to several collection agencies. I had creditors calling ... payment and make rent. It’s hard to imagine those days now – the unbearable burden of that debt – [more...]

Date: 2009-01-08 15:55:47

A Fox Guarding The Hen House

Paul Basken's article in today's Chronicle of Higher Education does a great job of laying out the conflicts of interest and perverse incentives in ... debt collection practices resulting in ballooning debt for some students. At the heart of the issue ... agencies are supposed to be independent entities that oversee the collection activities of loan [more...]

Date: 2008-10-23 15:50:13

Stop the Collection Calls With Debt Consolidation

by Marlin Baccus It is a stressful thing to watch as the bills pour end week after week and know you do not have the money to even meet the minimum ... to the hilt, then it may be possible to work with a credit counseling agency to learn about debt ... and debt collectors. That can be extremely frustrating situation to be in. Can anything put an end [more...]

Date: 2008-10-23 19:57:58

Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]

Date: 2009-01-14 19:07:31

Bankruptcy: Pros and Cons

With today’s economic crisis, there are many individuals who may have no choice but to file for bankruptcy ... has been repossessed, or your debts have been taken over by a collection agency. As stated at the outset ... out there are consequences that need to be addressed. 1.  Once you file for bankruptcy, it is listed on your credit [more...]

Date: 2009-01-09 14:49:45

Horse-race-loving former police chief winds up behind bars

Frank Kessler, former Garden Grove police chief, councilman and mayor, and his wife were arrested Wednesday on suspicion of financial misdeeds, ... and personal loans with a city-issued credit card. They were named in a 21-count district attorney ... card, then charged an additional$2,000 to the card to pay a debt collection agency. The PE reports [more...]

Date: 2008-12-18 19:55:29

collection

i have a collection agency calling me. It has been almost two years since I have paid anythig ad I truly can`t afford to I am single with four children and only make 14000.00 per year. I have no car, house etc. in my name. Will they ever just give up on collecting and write the debt off? Posted from: Manitoba [more...]

Date: 2009-01-08 15:50:43

Fix Bad Credit

by John Cooper If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account [more...]

Date: 2008-12-24 10:55:40

How Debt Consolidation Can Get Debt Collectors To Stop Calling

by William Blake If your bills are piling up creating a mountain of debt, ... the mound of debt and flea from those collection calls? The answer you need may be this: debt ... , then it may be possible to work with a credit counseling agency to learn about debt consolidation. The options [more...]

Date: 2008-10-31 09:50:14

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 & ... card payment offerings used by others in the industry, WCS' collection staff can tailor the WCS ... whether a debt gets paid," Weiss reports. Another feature of the service is that is generates [more...]

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

2008 One Shitty Year

OK, before I begin venting, I will acknowledge the two awesome events of this year: My escape to California back in the spring, ... June, after returning from a well needed left coast vacation, I discover that a collection agency is trying to sue me over a debt that is suspicious at best. No amount of reasoning with said agency [more...]

Date: 2009-01-01 16:55:00

A couple of interesting articles from Clark Howard: 11/24/2008

A couple of interesting articles from Clark Howard’s website: Debt collectors facing tough times reclaiming money Debt-collection agencies are reporting big losses, according to The Wall Street Journal. For example, one agency owned by Chase lost $15 million [more...]

Date: 2008-11-24 21:33:20

Credit card settlement

Debt problems happen to nearly everyone at some point in their life ... that you have made with the creditor or collection agency. Debt consolidation is a popular way of dealing ... card and you are unable to clear your debt. So you can get advice for credit card settlement [more...]

Date: 2008-11-20 04:10:51

Get Collection Agencies Off Your Back

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... : Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer [more...]

Date: 2008-12-12 23:06:57

Hospitals, Doctors Struggle with How Far To Go To Collect

An article in this weekend’s Baltimore Sun presented a scathing picture of Maryland hospitals suing patients and placing liens on their homes in ... through the use of external collection agencies and other collection practices such as the issuance ... $71 million in bad debt, the affiliated Johns Hopkins Bayview Hospital Medical Center $28.8 million [more...]

Date: 2008-12-23 13:43:51

Personal Finance Troubles? Consider Debt Negotiation

by Dillon Azungen Are you drowning in debt and considering debt negotiation? ... negotiate. They would prefer to negotiate rather than turn your account over to a collection agency ... Debt negotiation has a bad connotation but does it affect your credit that badly? There are pros [more...]

Date: 2008-12-28 22:06:58

Debt Consolidation benefits

Every month we are paying lots of bill to various stores and agencies. Nowadays it is difficult to meet daily requirements ... . The collection agencies are working on two ways namely first party and second party .If you have any problem with collection agencies then counselors will handle your problem. The counselors also [more...]

Date: 2009-01-04 15:53:22

: I Could Not Get That Money:

Ok I don’t need to elaborate here again on this blog since I have shared it on my bravejournal blog already about the person who owes me money long ... and never in my wildest dream that he’ll pay me back so if only I have debt collection agencies I think [more...]

Date: 2008-09-11 10:51:27

eHealth Insurance; Options For Your Health Care

Do you have health insurance? eHealth Insurance is basically an online insurance store, ... and one for $20, and will just continue your account along, without sending it to a collection agency ... , the fastest growing debt load in America right now is the defaulting of paying back medical claims. Even [more...]

Date: 2008-10-24 23:37:06

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