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	<title>Creditinfocenter Blog &#187; collection agency</title>
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		<title>I&#8217;m Not Sure What to Say In My Letter to a Collection Agency</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 15:16:52 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[debt verification]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[junk debt buyer]]></category>
		<category><![CDATA[negative listing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311</guid>
		<description><![CDATA[Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say.  In general, it&#8217;s not usually a good idea to speak to a collection agent when they call, let alone respond to a letter over the phone.  This [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Can a Collection Agency Issue a 1099-C for Settled Debt?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/13/can-a-collection-agency-issue-a-1099-c-for-settled-debt/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/13/can-a-collection-agency-issue-a-1099-c-for-settled-debt/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 14:34:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[1009-C]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[cancellation of debts]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Forgiven Debt]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Original Creditor]]></category>
		<category><![CDATA[State Attorney General]]></category>
		<category><![CDATA[time barred debt]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2266</guid>
		<description><![CDATA[Under current Office of the Comptroller of the Currency (OCC) rules, when principal balances on debts are forgiven, the banks must write off the amounts forgiven and report it to the IRS. For debtors, that means they may be hit with the double whammy of a tax burden while they are still trying to pay [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/07/13/can-a-collection-agency-issue-a-1099-c-for-settled-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Do Collection Agency &#8220;Cease and Desist&#8221; Letters Prevent Response to Credit Disputes?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 10:00:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit disputes]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[information furnishers]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[written request]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2315</guid>
		<description><![CDATA[The FDCPA was written with an eye towards protecting consumers from collection agency harassment.  Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer.  
Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers.  An example of [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>New Service Provides Collection Agencies List of Clients in Litigation</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/06/25/new-service-provides-collection-agencies-list-of-clients-in-litigation/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/06/25/new-service-provides-collection-agencies-list-of-clients-in-litigation/#comments</comments>
		<pubDate>Thu, 25 Jun 2009 14:58:29 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[I'm suing those guys!]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[court cases]]></category>
		<category><![CDATA[Courts]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[lawsuits]]></category>
		<category><![CDATA[Litigation]]></category>
		<category><![CDATA[transunion]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2051</guid>
		<description><![CDATA[As an unintended consequence, consumers who defend themselves against collection agencies who violate of the Fair Debt Collection Practices Act (FDCPA) will now find themselves on a special list. One company is now offering its clients a list of everyone who has sued a creditor or collection agency.  This is meant for the clients [...]]]></description>
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		<slash:comments>3</slash:comments>
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