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Found 2,541 results

  1. Three years ago I had dental surgery to remove my wisdom teeth, and paid my portion at the time of the procedure, as my insurance was supposedly covering most of it. Two years later I received both a bill from the dentist and the collection agency they had already sent it to, completely unbeknownst to me. Of course I called to try to figure out what the heck, and the informed my that my insurance did not cover as much as they had first estimated, and that I was now past due on the remainder of their fees. I do not have the funds to pay off the balance in full, and I do not want this negatively affecting my credit any more than it already has. Should I try to go through the dentist's office to arrange monthly payments, or do I need to deal directly with the collection agency now? If I start making payments to the dentist office, will the collection agency still keep trying to collect? This is the first time I've dealt with a collection agency, and I'd appreciate some advice! Thanks, Diane
  2. Hello All I am seeking advice on the best way to handle this. I just received a letter from a collection agency that eBay has submitted my account to them for some unpaid seller fees. Long story short - I let time slip past me. I meant to address this and I put other things in priority and now I'm scrambling. This is my fault. I am on the road to rebuilding, my score is growing leaps and bounds and this collection is going to hurt. I haven't received notification from Credit Karma or Sesame that the account has been added to my report. I don't know about equifax, they may only report to equifax. It was one of those "first communication" letters that said I had 30 days to validate yada-yada. I want to pay this before it hits my report. My first question - am I too late? Second question - if I pay eBay *today* and keep my documentation, if this does hit my credit report can I attempt to dispute it with this as proof that it is settled? Or am I going to be too late? I don't know about contacting the collection agency about this - since I know they may tell me that if I pay they won't report it and all will be well, but I have no way of keeping them accountable on that. I can pay this now to avoid it hitting my CR. If it is too late then I will wait a bit for my budget to handle it a little better since the damage will be done. I just need to find out if this is salvagable. Ugh. I can't believe I let it get to this point. Thank you for the insight!
  3. I have 5 Collection Agencies on my credit report. Should I just send out a dept validation letter to each one to get things rolling?
  4. I am posting for a co-worker. She was in the hospital for kidney infection while pregenant. The bill was $28,000 and insurance only covered 90%. She tried to work it out with the Hospital but they got rid of the Debt and now PISA is sending her the bill. They called her and told her that they were collecting the debt and she needed to pay it off immediatly. They also informed her that she could just use her Credit card that has $XXXXX creidt available on it. She told them no and has sent off at least 2 $100 checks to them. I informed her to stop what she was doing and I would get her some help on this. My main question is did they pull her Credit illegally to gain the info on her credit card and its limit? She is going to be pulling her reports in the beggining of June to see what they are reporting. I told her to see if there was an Inquiry from this CA. I have also directed her to this site and am trying to give her a hand on getting this sorted out. What would yall sugest she do in the terms of letters being sent off? Thanks, Dwright19
  5. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting to help me with this and getting a plan together in 2008. They say one payment was made 4/2008. This is not listed in the NSLDS database. My other current loans, which I pay, are. How do I find out for sure if this is federally guaranteed or not? If the last payment was made 4/2008 and it was not federally guaranteed then the SOL would be up in May of 2014, right?
  6. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting to help me with this and getting a plan together in 2008. They say one payment was made 4/2008. This is not listed in the NSLDS database. I believe they said it was a ALPLN. My other current loans, which I pay, are listed on NSLDS but this isn't. How do I find out for sure if this is federally guaranteed or not? If the last payment was made 4/2008 and it was not federally guaranteed then the SOL would be up in May of 2014, right?
  7. Wondering if anyone has heard of anything like this? My student loans are current, all paid "MORE than the minimum on time if not early every month. About 1.5 to 2 months ago they were transferred to PHEAA. I have made a payment with them and it's all paid as agree. My old account through (myedaccount.org) says the balance was transferred. Today I see that I got a letter yesterday from NCO FInancial collecting on a defaulted loan and the creditor is National Collegiate Trust. The balance is very similar to what I owe on my student loans. What is going on here? Who do I call tomorrow to deal with this? Thanks.
  8. I have one open collection left on my credit reports. It's something I don't really feel I owe but I don't have evidence of this so that's a story for another day. My question is, what is my best option if I can pay the full $800? It still has about 3.5 years before it will age off and I'd like to just take care of it. The DC is not being helpful and I don't want a "settled in full." I basically have admitted I owe it and it's very obvious that it's my debt. They refused to PFD for $500. Should I ask for a PFD or just tell them I'll pay the full amount if they report it as "Paid in Full?" Is there another option, like to have it show up as paid as agreed? Or is that not possible because it is the collector that is reporting it? Thanks!
  9. This was from a company that was supposed to take care or help with my credit card problems. All they did was charge me monthly and i never heard from them after that. I paid the amount down about half of the original 3500 for the "service" anyways, i had a really tight month a year or two back and stopped paying, especially because i wasnt receiving any help. what is the best thing to do from here? EDITED 3/14/2013 So i got my second letter from them, and they are saying i got 15 more days. picture posted on post #11 The company was Sill & Associates, they promised to help with my credit issues and problems and stop the calls, neither was true. They were successful in extending and prolonging one of my credit cards i was to pay off and then negotiated a 35% reduction. But i really never heard from them besides that once instance about a year after i started their "services" What is best strategy, DV letter and what to expect next?
  10. Hey there, I recently pulled my credit report and noticed there was a judgment from an old landlord along with the same amount due from a collection agency. I contacted the landlord and was able to pay off the judgment at a reduced price. My problem is the collection agency is still reporting I owe money to them to the CRA's. Any advice on how to get this information removed? Thanks.
  11. Hello all:) i need help with this:( ---- how can i reply? can i deny the claim? please help, thank you! ------ Unifund CCR, LLC, a limited Liab. Co. VS (me) 1. plantiff is a LLC. 2, each named defendant is a natural person. 3. the true names and capacities of defendants sued as DOES 1 to 5 are unknown to plantiff. each fictiously named defendant is some way responsible for the occurances alleged here and proxomately caused plantiffs damages. 4. each named and DOE defendant was acting as the agent or employee of the other defendats. 5. this is a proper court under C.C.P. sections 395a & 395b because a defendants resides in this district. this action is not subject to C.C. 1801 et seq. 6. before filing this lawsuit, plantiff purchaised all rights , title and interest in the obligation upon which this suit is brought and is the sole owner of the account. 7. the above statments apply to the following causes of action. First Cause of action - Breach of contract 8. on or about 06-10-08 , CITYBANK, NA and defendfat entered into an agreement for the issuance of a credit card which defendant requested, a credit card now bearing account number ending xxxxxxxxxxxxx7890 was issued to defendant. this cc account granted defendants credit privileges in purchaising goods and services and or receiving chash advances. 9. defendant accepted the written card holder by using the credit card, paymetn for the charges incurred was to be made in accordance with monthly billing statements sent to defendant. 10 on or about 10-29-09 defendant breached the card holder agreement by failing to make monthly minimum payment due. 11. plantiff and the original have performed all of their obligations to defendant except those oblogations plantiff or the original creditor were prevented or excused from performing. 12 plantiff suffered damages legally and proximmately caused by breach of the card holder agreement by defendant by that defendants left due owing the sum of 5003.31 with interest thereon. although demend has been made the amount prayed is due owing and unpaid. 13. pursuant to agreement or statue, plantiff seeks reasonable attorney fees according to proof. SECON CAUSE OF ACTION - COMMON COUNTS. 14. Defendants and each of them became indepted to the original creditor, CITIBANK, NA within the last four years: a. on an open book account for money due and b. because an account was stated by and between the original creditor and defendant in which it was agreed that defendant were indept to the original creditor. 15. plantiff also alleges that each defendant became indept to CITIBANK, NA, within the past four years: a. for money lent by the original creditor to defendant at defendants request, and b. for manory paid, laid out and expended to or for defendant at defendants special instance and rquest for the defendants use and benefit. 16. the sum of $5003.31 is due and unpaid despait plantiffs demend, plus prejudgment interest to proof. PRAYER wherefore, as to all causes of action, plantiff prays for judgment as follows: a. Damages of $5003.31 b. interest from and after 04-08-10 according to proof; c. attornays fees according to proof; d. costs of suit; and e. for such other relief as is fair, just and equitable. feb.2013 ----------- verification is attached as well.
  12. On Jan.2, 2013 Collection Agency XYZ called me about a debt they say I owe from a totaled car that owned back in 2003. This was the first I ever heard from them or the debt. I explained to them that my car was totaled and that my insurance company paid off the loan. They told me this was not true. I asked the collection agency to send me something in writing, as this was the first I heard about this debt. They refused and try to get me to set up payments. When I asked them for there mailing address they also refused to give it to me. I told them they were a fraud and abruptly hung up the phone on them. Once I got off the phone with them, I did some research on Google about XYZ. They are a junk debt buyer. I called the FTC and the Georgia Dept of Consumer affairs to file a formal complaint against them as i felt I was being harassed. About 3 weeks later, I received a letter from XYZ dated Jan. 13, which is 11 days after our first contact. In this letter they stated that I have the right to validate the debt in writing. I did send them a DV letter on Feb. 11 which they signed for Feb. 20. They haven't responded to my request, yet they continue to call me. I had two voice mails from them last week. I need some suggestions as to what to do now? I wanted to sue them for FDCPA violations, however, I was told by the small claims court here in Savannah GA that I have to file in the location where XYZ is located. They are located in another state at least 7 hours away. Please give me some feedback. Thanks Rjeffery1 =)
  13. Hey I know there are many postings with stock settlement letters, but I just wanted to get an opinion on this one because I've read that it's almost better to make it "personal." Also, I wanted it to get through that this offer is all that I can afford. The debt is for $800. A couple of months ago I sent a PFD request for $250. They called and said they would not do PFD or even Paid in Full. They would only do settled in full. At this point, I just don't want any more open collections on my CR. She also said $250 would not be enough. So, I said I would call back after I thought over my options. Would sending this following letter suffice? I really can only afford about $350 - $400 for this. Is there anything I should add/change/etc? Thanks in advance for advice. Dear Donna Rose This letter is a follow-up to a conversation we had recently regarding my account. I am working very hard to clear up my past financial transgressions and I would like to settle this debt. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay $350 to settle this debt in full. In return for my payment, you agree to report this account as settled in full to all of the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $350 payable to NHNE CREDIT SERVICES. Furthermore, NHNE CREDIT SERVICES agrees to never at any time in the future place any information on my credit report. For both of our convenience, I would like to take care of this as soon as possible. Unfortunately, $350 is the absolute maximum I am able to pay, as that is literally all that I have in my bank account. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of NHNE CREDIT SERVICES, IN. Sincerely, (My name)
  14. Anyone know of any good articles, outside of the first 10 pages of an internet search, on medical billing fraud. I have some collections from a few years ago. These collections might be from legitimate bills. However, the reason they weren't paid is likely due to some insurance fraud on the part of a former doctor of mine. The fraud looks like this: He reported charges WAAAY higher to my insurance agency than me, to the tune of $1400 per 15 minute session. That quickly drained my yearly maximums. However, when I went in it was the usual co-pay of $20. There was never a mention of an outstanding balance, or a request for payment from me. There was also never any collections on his part. I suddenly got notice before one appointment that he was no longer with that clinic. I went back to see another doctor and mentioned the discrepancies and he basically said, "He was involved in some funny stuff and I'm part of the reason he's no longer here." So, after his obscene charges other medical services I had ended up in default. I'm would just like to see if I have any legal protections... Thanks.
  15. I recently sent a validation request (CMRRR) to a local CA since it appeared they were chasing a credit card debt being pursued by another CA---the only delinquent debt that appears on my CR. Until now, they've provided nothing in writing...only repeated phone calls to my home, cell, office, employer, and every single member of my family (thus, the validation letter including "do not call" language). Their mailed response came as a complete surprise since they claim to own a debt that doesn't appear on my CR (and, to be honest, I didn't realize existed)---an old business checking account closed nearly five years ago. Here's the content of their letter: - - - - - - - - - - - - - - - This correspondence will serve as formal debt validation of your delinquent account with [CA name] which is currently due in full. Account name: [Mine, with no mention of the business...?] Account address: [My home address] SSN: [Mine] Original creditor: Wells Fargo Original creditor account number: [our old checking acct number] Original creditor address: Minneapolis Account open date: 08/11/1997 Date of last payment: [Left blank...?] Date of charge off: 04/01/2008 Current owner of account: [CA name] Interest rate: 6 [not %...just the number 6] Charge off amount: $3,188.77 Current balance owed: $6,320.95 - - - - - - - - - - - - - - - Is the debt legit? Possibly---according to my past business partner, there *might have been* an outstanding balance when the account was closed, shortly after we closed the business. Since the CA's response to my validation request was minimal, I really DO need to validate/confirm it's correct. Of course, the whole thing begins with "Do they or don't they" own the debt, since my (possibly incorrect) understanding of the relationships between OCs, CAs, and JDBs is that only OCs and JBDs actually own a debt---CAs are hired by them to collect the debt....? Obviously, I don't want to do something that adds a new, negative mark on my CR. Currently, there's no mention of the WF account or the CA pursuing it. Suggestions, please? Am willing to pay the piper, if it turns out I owe the piper money (ideally, for a negotiated, lower dollar amount---especially since the business no longer exists). Thanks for your shared support and advice!
  16. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. This is with AES/NCT, things like that. How do I go about getting the other listings removed? Do having those listed affect my credit score? Just wondering because if I paid to have this settled (had to, since it was a student loan) should I still be getting dinged for the same thing by multiple other negative listings? Also, I had three other small debts in collections. I sent them letters offering payment for deletion from the 3 CR agencies (used form letters I found online - not accepting it's my debt, but offering payment if I got written agreement, etc.). I got a call from one of them today that they wouldn't PFD or even put paid in full but would take a smaller payment and put settled in full. I even offered to pay the full amount for deletion but they won't accept that. It seems they would rather take less money and give me a settled in full than full payment for a PFD. I asked for a number to the original creditor (Best Fitness). She said she'd give it to me, but I'd just be routed back to her since they were the collection agency in charge of Best's debt. I found it odd that they'd settle for less than full but wouldn't PFD if I gave the whole amount. Any suggestions here? I told her I'd have to consider my options and call back next week. Side note - this was regarding a contract I thought I had terminated but apparently had not completed the termination. Finally, does speaking about these debts restart any clock or anything, or will they still fall off 7 years after original delinquency? Thanks again for any input. Additional info - Any way I can write to the CRs to get the other related listings deleted? Is there some sort of form letter I could use? Should this be a dispute? Unsure of how that would work. Thanks again for your input. The three small ones - Best Fitness now with NH/NE $800 - Last August of '09. She seemed to be willing to take $500 for settlement but not the $800 for PFD Asset Acceptance - $239. Debt originally from an Express credit card. Something like 4 years ago. EOS/CCA - $135. Originally from AT&T. About 5 years old. They're definitely all valid debts. I'd like to get them off and not wait the seven years. I've managed to save up about a thousand bucks so I have the cash on hand to pay them all off. How do I fight Best Fitness? What do you think I should do to get them to pay for delete? I think it's insane, why would they take less? They were very adamant about how they would not PFD. Said that if I called Best they'd just route me back to her. I really have no idea what to do with these. I don't want to ask any friends for advice, it's pretty embarrassing and a lawyer seems pointless for the amount I have outstanding.
  17. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. This is with AES/NCT, things like that. How do I go about getting the other listings removed? Do having those listed affect my credit score? Just wondering because if I paid to have this settled (had to, since it was a student loan) should I still be getting dinged for the same thing by multiple other negative listings? Also, I had three other small debts in collections. I sent them letters offering payment for deletion from the 3 CR agencies (used form letters I found online - not accepting it's my debt, but offering payment if I got written agreement, etc.). I got a call from one of them today that they wouldn't PFD or even put paid in full but would take a smaller payment and put settled in full. I even offered to pay the full amount for deletion but they won't accept that. It seems they would rather take less money and give me a settled in full than full payment for a PFD. I asked for a number to the original creditor (Best Fitness). She said she'd give it to me, but I'd just be routed back to her since they were the collection agency in charge of Best's debt. I found it odd that they'd settle for less than full but wouldn't PFD if I gave the whole amount. Any suggestions here? I told her I'd have to consider my options and call back next week. Side note - this was regarding a contract I thought I had terminated but apparently had not completed the termination. Finally, does speaking about these debts restart any clock or anything, or will they still fall off 7 years after original delinquency? Thanks again for any input.
  18. I have a CA attenpting to collect on a Zombie Debt, they are in CA and I am in TX. They are also not bonded and registered with our Secretary of State. They have refused to provide me with any kind of documentation, bills, verification of any kind. The last time I requested this was 10/17, on 11/23 i contacted them and informed them that I had not received any of the requested proof that I owe the debt, to which the young man said,"Well, we just barely got it yesterday, I'll send it today. I had been disputing this since September, each time it came back as verified and updated- there is no way it could have been verified because they had no docs. I notified the CA's of this, I also complained to the CA Attorney General's Office about them- Today I received a copy of their response which says that A: they are not required to comply with Texas requirements as they are in Ca. and collecting on a Ca. resident- I AM NOT a Ca. resident B: they sent me validation of the debt by sending me itemized statement on November 20- as of today 12/04 I have still received nothing from them C: they quote the FCRA, that the debt shall remain for 7 years where do I go from here ? I have not reported thwem to my Secretary of State YET- I may want to sue them- what next ?
  19. Hello~ This is a follow up to my posting(s) back on November 20, 2012. I sent a vlaidation letter to CACH, who are the ones that have reported the negative trade line on my Experian CR. After reading their respone I do not think that this meets proper validation. What CACH has done is contact Experian and report that the account is now 'Disputed by Consumer'. I find that their letter leaves some questions though. 1) If they do not engage in collection activity (direcetly or indirectly) then why are they reporting to the Credit Bureaus? 2) Is what they sent me proper validation? 3) Have they violated any FDCPA or FCRA with providing false and misleading information - ie: Reporting negative TL to the CR's then stating they do not engage in collection activity. I have attached a copy of their response letter to me with the appropriate areas blacked out. Anyone have recommendations on how to proceed?
  20. I have a question about how a collection agency is supposed to handle disputes made through the credit reporting agencies. I had a medical collection pop up on my credit reports which I disputed online and commented that the OC did not file charges on insurance which would have paid 100% or I tried to convey that the best I could through the agencies. It was marked as disputed but I did not received anything from the collection agency. I called them on 6/21 and told them to remove it from my credit report now and told them they did not do their due dilegence to investigate the dispute. They said they had another collection that they were about to report and I told them the same thing; the OC did not file the insurance in a timely basis. The OC verified on the phone with me in both cases that this was indeed correct. I want to nail them for FDCPA and TCPA violations but was wondering if I had a FDCPA case. I have never disputed them directly in writing, never sent a C&D. Thanks so much!
  21. Got a dunn in the mail from them today.... Says their client is first premier.. Last I knew this account was with Convergent... It says they are acting as agent for fist premier. Their is no 30 day validation language in the letter at all. It does have the mini miranda. But this letter is addressed to my wife and not me....
  22. Checked my credit report today and noticed 2 accounts in collections with NCO FIN/99 for different amounts. I honestly have no idea what these accounts are - the amounts don't sound familiar and I've had zero contact from these people. I did have an account listed as in collections with NCO FIN/50 in July for a different amount - came across it the same way by checking my CR. I sent a DV to NCO and filed a dispute with TU - NCO never responded but TU did and said they found the debt not validated and removed it from my report. Could this be the same account? Any idea who NCO FIN/99 usually collects for? I can't think of anything I'm not already disputing that could be in collections with them and I don't think the other two accounts I am disputing with Pentagroup and CAC Financial have been sold to NCO - the amounts aren't correct and my 30-day DV disputes with the other two agencies aren't up yet. Ideas? Advice? I am going to send a DV to NCO again, but would like to know if I should be doing anything else.
  23. The first collection account seems to be listed by a collector as a debt buyer account? It states it is a retail account. I never opened a retail account, so I will dispute with CRA first as not mine. What do you recommend afterwards if not removed? What is the best way to tackle this account? I reside in California. 1) Creditor classification: Retail Date opened: 10/06/2010 Balance amount $9,974 Amount past due $9,974 Date of 1st Delinquency: 11/2009 Date Maj. Del. 1st Rptd: 11/2010 Status- Collection Acct Type of Acct-Open Type of Loan-Debt Buyer Acct Whose Acct-Individual Acct This second account is a collection account for an education loan via a credit union. Please instruct on how to remove this account. 2) Creditor classification: Not mentioned, but it is a credit union Date opened: 04/01/2009 Balance amount: $0 Date of last payment: 12/2009 Date of 1st Delinquency: 09/2009 Date of last activity: blank Date Maj. Del. 1st Rptd: 12/2009 Status- Collection Acct Type of Acct-Installment Type of Loan-Education loan Whose Acct-Individual Acct. This account is a charge off account. Please advise on how to remove. 3) Creditor classification: Not mentioned, but it is a personal loan Date opened: 04/01/2009 Balance amount: $1350 Amount past due:$1350 Date of last payment: 10/2006 Date of 1st Delinquency: 11/2006 Date of last activity: blank Date Maj. Del. 1st Rptd: 12/2008 Status- Charge off Type of Acct-Installment Type of Loan-Note loan Whose Acct-Individual Acct. Thank you in advance
  24. Our stories sound similar. I'm new here and glad I found this forum before sending a generic DV letter to Midland. I haven't received anything from Midland but noticed a collection on my credit report. OC (T-Mobile) not reporting and Midland is. SOL will be up around May - Aug 2013. I know the balance showing on this account is wrong as well but do not have proof. Should I dispute with CRA? Write DV letter or wait until SOL is up?
  25. I am new to this Forum and am very impressed with the responses I've seen so far. Here is the situation: My adult son is being sued by Midland (MCM), represented by Erica Brachfeld in the Los Angeles area. He has filed an Answer and trial is set for 12/17/12. He recently received an "Affidavit in Lieu of Testimony" signed by a Jacquelynn Doucette wherein she admits that "the original instrument creating the account was not provided to MCM and, upon information and belief, is unavailable." The affidavit is accompanied by a letter from Chase saying they sold the account to MCM and includes a couple of billing statements. Bottom line, can MCM's standing on this be succesfully challenged? Thanks for any help you can offer.