Archived
Getting bombarded by collection agencies looking for someone that hasn't lived here for 9 years what can be done?
Michael's answer
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Answered on April 16, 2012
The Fair Debt Collection Practices Act (FDCPA) has been around for almost 35 years. The FDCPA is a federal law that applies to every state. In...
Is a copy of one credit card statement enough to validate my debt and justify a summons against me in Ohio?
Michael's answer
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Answered on April 15, 2012
In your case, and for all consumers faced with a notice of debt letter, it is important to carefully read the 1692g Notice Letter and exercise your...
Archived
How can I get a debt collector to work with me on payment plans?
Michael's answer
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Answered on April 15, 2012
Your best bet is to write down your proposed payment plan and mail it to the collection agency certified mail return receipt. Most collection...
Can Comcast collections punish me and since when do installers/collectors come to a person's home collecting money?
Michael's answer
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Answered on April 13, 2012
If you do not owe the money, you should dispute it in writing to Comcast. You can also file a complaint with the Better Business Bureau. However,...
Archived
What can I do about a $5000 medical debt I was never billed for?
Michael's answer
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Answered on April 11, 2012
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...
Archived
Scam debt collector keeps calling me at work even though i told him not to call me he keeps harassing me.
Michael's answer
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Answered on April 10, 2012
You should ignore the calls and ask your phone company to block the number. Do not give any of your personal information to the collector.
I...
Archived
Is CAR and Associates Legit?
Michael's answer
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Answered on April 10, 2012
I agree with Mr. Kim. It may be easier to figure out exactly who is calling you by their telephone number. What number shows up on your caller ID...
Does a collection agency have to notify you of a debt before they file a lawsuit against you?
Michael's answer
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Answered on April 09, 2012
No, a collection agency does not have to notify you first before filing a lawsuit. If you do not pay a debt, a creditor or its debt collector...
Archived
Can a hospital send a third party person to my home to talk about my unpaid bill?
Michael's answer
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Answered on April 09, 2012
Was the third person sent to your home a debt collector or a process server. It appears the hospital either hired a third-party debt collector to...
Archived
Sued by Credit card company called lawyer to offer settlement how much to offer
Michael's answer
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Answered on April 09, 2012
It depends on a number of factors. However, assuming you owe the debt and the debt is within the statute of limitations, I would initially offer...
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