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About Cusegirl770

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    Determined to correct my credit
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    Clinical Research Analyst

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  1. This afternoon, outta the blue, I received a voicemail on my cellphone from an unknown collection agency for my DH. The message stated he missed a telephonic deposition and that further action would not be prevented by not contacting them, etc. They left an 800 number along with a reference number. Called DH and he had no idea what it could be. We conference called them back and gave the reference number. A woman got on the phone and was immediately nasty and combative. She verified his SSN and then said that he owed CitiFinancial and it was last paid in 2009. She went on to say it was purcha
  2. Today I received a letter for the remainder of an unpaid medical bill from National Patient Account Services (NPAS, LLC). I just checked my credit reports and the collection has not yet reported to the CRAs, and of course, I don’t want it to. I have the thirty days to dispute, etc. Should I just contact the CA to ask for a pay for deletion (under $400) or can they not report anyway because I am paying right away before the thirty days? OR, should I send the payment to the hospital and hope they accept the payment and then if it does hit my CR, dispute as previously paid? OR, should I DV them
  3. I'll try to be brief: We were sued by a HOA in GA for $1600. They won a default judgement back in Jan for $3400. We now reside in NC where there are limitations on the garnishments but my DH's employer is the same company (a national chain) as it was in GA. About a month ago, he received a letter stating his wages were being garnished for $130. Didn't like but OK. Well the actual amount they're taking is $500 per pay check. There was no notification or anything from the court or employer of an adjustment. His employer was no help on how this is possible. Is this legal and is there any recourse