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  1. Hey everyone My name is Cat I've been reading from these forums for a few months now but I decided to join today because I have a big problem that I need some advice for. I'm in the process of repairing my credit to get a mortgage I have 3 accounts that were negative on my account that I had already paid off one I paid off in 2007 from SOLOMON & SOLOMON P C and the other 2 I paid off last year. I read on here that if you dispute them saying that they should have been deleted upon payment that you can get the deleted, not only did they not get deleted but now the debt from SOLOMON & SO
  2. I was reviewing my credit report and seen there was 2 in collections, then another entry that says paid in full, but WAS in collections. Has anyone had any luck getting these taken off your credit report and if so what steps did you take to have the info removed? thanks
  3. Hi all! Here's the issue I'm dealing with. Would appreciate assistance in wording a response and how much information to reveal in order to get them to stop contacting us. Received many debt collections calls for my husbands daughter. She was a minor at the time we received all the calls. She has NO debt. She also doesn't live here. So I don't even know how they got our phone number and address associated with her. I sent a standard debt validation letter that I found online. They sent a response saying the debt belonged to someone with her name and then they included the last 4 digits o
  4. I didn't see a separate medical collection area, so I figure I will post here. My husband hurt his ankle back in 2007. We thought everything was taken care of, fast forward to May, I am pulling credit reports and I see an account in collections for $2000 for a medical bill. I call the Dr's office, find out the date, and what it was for, I call the insurance company, they had to dig through archives, took two months. They found the problem, the dr.'s office didn't originally give an onset date. So we call the dr.'s office and ask them to resubmit the bill, they do. I called the insurance compan
  5. During the distribution of debt it was decided whomever received the recently financed new washer/dryer purchased through HH Gregg/GE Capital Retail bank would also be responsible for the payment. My ex wife received the washer/ryer and accordingly the payment in the final decree. I recently signed up for a credit watch program and was shocked to find out that my credit scored had dropped approximately 150 points in the last year mainly because she had not made payment on the account and it is currently 200+ days past due, it has been charged off and is in collections. I dispute the account o
  6. First let me say that I'm very thankful to have found this forum! Much of the information that I have found here has been very useful in repairing my credit and fighting a suit filed against me by Midland a few years ago. I was successful at disputing their case and it was dismissed. However, they have popped up again on my credit report and I'm in need of a little help. I noticed a month ago that they had once again reported information on my credit reports for the case that was dismissed. I disputed the information with all three CRA's and Equifax removed it completely from my report. I
  7. Ah, this one finally caught up to me. Got a Collections/Demand letter today from Midland. OC=HSBC Amount=~$6000 Midland Offering to Settle for ~$3500. So clearly the account is past SOL in FL (4/5years - both have passed) but Midland says my last payment was in Sept 2011. I had an old checking account that was making, lets say a $10 payment, every month, for a few years. I stopped the automatic payment (March this year) - so that $10 was going somewhere since 2007, 12 times a year. I find it weird that Midland says last payment was in 2011 when I just stopped the payments in March of this y
  8. I disputed that this was not mine and they verified it was, then they sent me a letter saying that i owe $164. What do or should i do now? Its past the statue of limitations and comes off my report in july13. Should i send more letters this time saying the date is wrong or something, do i have to wait a certain time period. Do i have to write back to the collections agency(RJM Acquisitions). I remember u guys saying this is not affecting my score to much, do i just say screw them or what?
  9. I received a letter from Atlas Collections that states: You delinquent account in the amount of 686.29 is being reviewed for possible suit against you. If we do not receive payment within the next two weeks, your account will be sent to our attorney for review. We are now accepting Mastercard and Visa credit cards. If you would like to use your credit card to make your payment, please call our office with your information. Please note that there will be a $3.95 convenience fee per transaction charde to your credit card for this serviece. At the bottom there is the standard this communicat
  10. I was browsing for various things and found that people have been posting recordings of debt collection scam phone calls. I have some listening to do. Some of this stuff really cracks me up how dumb they are. How many of you guys have listened to these online recordings? In the following one, which is long (over 27 minutes with commentary) fast forward to 18:30. He's trying to get them to send something in the US mail. The DC is trying give excuses why not to, and demanding email or fax. But at one point several seconds after that time point, the DC mentions on more reason why he wants th
  11. Hi all, I'm new to this forum. I live in California. I received a letter from AllianceOne claiming that I owe $500+ for two traffic tickets. The letter references some county account numbers but no dates. The county which supposedly issued the tickets has no information on them and I do not remember getting any tickets. Of course the letter says in big red letters "Protect your driving privileges make a payment in full immediately". Generally, if I forget any ticket they show up when I register my car and I pay them, so I doubt I have any outstanding. I asked the agency to send me the verific
  12. I received my first collection letter ever from Integrity Financial Partners dated June 13,2012. The original creditor is GE Capital Bank on a Walmart Discover Card. I have not paid on the account in 3 months. I am not denying that I owe the debt because I do. Do I still send a debt verification letter to them? The letter states that if they do not hear from me within 30 days they will assume the debt is valid, otherwise if I notify them within 30 days they will obtain verifcation of the debt or obtain a copy of a judgement. What kind of judgement would they be talking about? If they are try
  13. Hi everyone, I could really use some help in dealing with a collection on a negative balance from a foreign checking account. Background: In 2006 I was studying in Paris, France and was required to open a checking account by my school. The account was supposed to be free for a year. I moved back home to the states and forgot about it. I had left a small balance in the account and thought it would 'take care of itself' (that they would close it after 1 year basically). Well they didn't and instead have been charging fees against it and around 2007 they tracked down my mom's home address and beg
  14. Several times over the past few years I have had debt collection agencies tell me they have sent me letters to my current address that I never received. (I have lived here for several years). They all also claim that they never received the letters as returned mail. When I asked that they send them again, they either refuse, or say yes they will, but then again nothing appears... Has anyone else experienced this? If so, with which places? One of them was LVNV Funding, who then claimed I did not ask for verification of the debt within thirty days when I claimed to consumer affairs about them
  15. I am going through old credit reports and attempting to determine what other fraudulent accounts are out there in my name. I came across: Experian 05/2007 inquiry. Academy Collections 10965 Decatur Road Philadelphia, PA 19154 Are they still in business and who do they collect for?
  16. Spelling mistakes, sentences not finished, what looks like bad cut and paste jobs etc? Also, it appears some are being written from sort of fill in the blanks template and there are phrases left on the page like, "Writer's address...." "Writer's extension number..." I save the enveloped these scams come in and they are just as bad. They don't even have pre-printed stationery-instead what looks like a bad rubber stamp running out of ink...
  17. ERS contacted me and offered to put me on a loan rehabilitation program. They said I would need to pay $800 upfront and then I would have monthly payments of $249. After 6 months of perfect payments, I would have the defaulted student loan removed from my credit and it would show in good standing. They said I would be eligible for federal financial aid again after 6 (or 9) months (i can recall). They wanted my credit card information for my checking account. I set up a checking account at another bank that would be used for this purpose alone... My question is... is it ok to give him the deb
  18. There are other collection agencies out there connected to India as well-whether they are legit or not. Mrs. Associates lists an office in Mumbai right on there website and it is mentioned all over the net full of people complaining... Mrs. Associates made screaming phone calls on my landlord's phone number looking for not even me, but supposedly relatives of mine...and then screamingly accused me of lying and actually being the person they were looking for when I called them to tell them to never call that number again! I had to file a complaint with the NYC Department of Consumer Affairs to
  19. I'm very stressed and need some advice. Basically, I had opened a checking account with US Bank in Milwaukee around 2002. I didn't do much as it was a 'free checking' account. Surprisingly, I was contacted in 2009 by Regent Asset Mgmt (the infamous Colorado firm) with a collection notice for fees on the account ($409) while I was out of the country. I spoke with them and tried to get this cleared, not following any script. They agreed to settle it for the $409 and I paid via Paypal. I have the record in my Paypal transaction list. In 2010, I received another letter from Regent, which I ignored
  20. I only caught part of it on ABC News tonight, but seems Accent Collections is in big trouble with the Government again. They got sued for over two million dollars for fraud and deceptive practices again, what's new!!!! :p88-)
  21. Hello I posted this on the student loan section but I wanted to see if you guys can give me any advice since you have all been so helpful in the past. I received notice today that my private student loan has been bought by a collection agency trying to collect on it. Would I be able to write a DV or is there no hope since it's a student loan?
  22. Quick overview: Collection for $130 on my CR dated 8/2010. CA is in New Hampshire, I received services in MA, and I currently live in TX. Still in SOL for both states. I left the job who I had insurance through at the time last year. There has been no recent effort to collect the debt. I don't know where to start. - Do I first contact the insurance company? Will they even help me since I don't have coverage with them anymore? I don't have any invoices or EOB or original coverage documents. I don't know if the service was billed wrong or just not covered. - I'm not sure who the OC is because it
  23. im sorry if this has been answered before. i tried searching it but couldnt find an answer. im in mi. i have a sams club discover card issued by GE capital retail bank. about 4 days ago i started recieving calls from a collection agency (which i havent answered) then i recieved a letter from firstsource advantage. stating "this account has been placed with our office for collection in order to resolve your delinquent debt........." i was kinda suprised to get this letter. considering i have not recieved anything from the oc in prob 4 months. no settlement offers, not even a past due notice. i
  24. First let me say this site and forum have been invaluable thus far in this credit repair journey. I've mostly just started, filed a couple disputes with credit CRAs. I have don't a LOT of reading and research however, and I have a unique situation I need some of your expert advice on. I separated from the military not to long ago and in the process did quite a bit of moving and as a result mail was lost, forwarded, delayed etc... Well, I had equipment that was destroyed/lost and the DOD charged me for it. It was forwarded to Defense Finance and Accounting Service (DFAS) the department that