Collection agecnies may collect on debt as long as they want. However, collection agencies may not threaten legal action or take legal action on debt that is time barred (i.e., beyond the statute of limitations). I suspect you are dealing with a junk debt buyer. If this debt is not on your credit report, and it's beyond the statute of limitations, then you can simply ignore it. On the other hand, if you owe this debt, and it's within the statute of limitations, you can alos work with the...
You should also send a written dispute, certified mail return receipt, to the collection agency. If you do not dispute the debt within 30 days of receiving the initial notice letter from the collection agency, the debt will be considered valid
One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…...
It's a scam. No legitimate collection agency will threaten you with a warrant. You should ignore the calls, file a complaint at www.FTC.gov, and ask your phone company to block the number. Do not give any of your personal information to the collector.
Most of the scams I've seen deal with people that have taken out payday loans in the past. If you have any other questions or concerns, please let me know.
Mail a letter to the hospital requesting a copy of the bill. You can also try calling the hospital and requesting a copy of the bill. Once you receive the bill, submit it to your health insurance provider. If you owe the debt, and do not have health insurance, try to work out a monthly payment plan with the hospital. If the account is with NCO, you can also work out a payment plan with them.
Please let me know if you have any other questions.
You should send letters, certified mail return receipt, to both collection agencies explaining the situation. You should also provide all of this information (letters, proof of payment, etc.) to the person that handles your taxes.
What are the names of the collections involved?
Even if you send a cease and desist, the collection agency may still file suit against you. That's one of the risks of sending a cease and desist letter. In your situation, the collector may have said that he would not file suit because it's beyond the statute of limitations.
Most likely, the collection agencies either purchased the debt (junk debt buyer) or was hired by the original creditor (hospital, doctor, etc.) to collect on the debt. Either way, if you owe the debt, then yes, you have to pay the collection agency now, as opposed to the original creditor. With medical bills, make sure they were submitted to your insurance company first, if you have medical insurance.
Depending on the collection agency involved, you may be able to reach a settlement at a...
Request validation from Allied in writing. One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…send the consumer a written notice containing” the following information: (1) the amount of the debt, (2) the name of the creditor to whom the debt is owed, (3) a statement that the consumer has 30 days to...
I agree with the other attorney, Frank. Do you owe the debt? If so, negotiate a payment, and then request a satisfaction of judgment you it's paid off. Then, send the satisfaction of judgment to the credit report agencies and ask for your credit report to be updated.
It's possible DRS is a scam. Do not give them any of your personal information until you find out if DRS is legitimate. Most of the scams I've seen deal with people that have taken out payday loans in the past. Ask them to send you something in writing. If you have any other questions or concerns, please let me know. www.agrusslawfirm.com