If you do not know if you owe the debt, you should send Vanderbilt & Associates a letter requesting validation (V&A's contact information is...

I HAVE A BILL COLLECTOR CALLING MY JOB CONSTANTLY EVEN AFTER I TOLD HIM I CANNOT GET CALLS

Your situation deals with section 1692c(a)(3) of the Fair Debt Collection Practices Act (FDCPA). That is, a debt collector may not communicate...

Do you owe the debt? What’s your ultimate goal? Are you interested in settling the debt? What collection agency has the account now? I have...

What do i need to do for a company that is calling me 12 times a day.

If the company calling you is a collection agency, as opposed to an original creditor, and the company is calling you about a consumer debt, then...

A debt collector is trying to collect on a repo auto that happen in 1998

Who is the collection agency? Is the collection agency attempting to collect the deficiency balance or a judgment? How much money does the...

What options do I have if any with a debt I believe is erroneous?

If your insurance company refuses to pay the bill, your next step should be to negotiate some sort of settlement with the lab and/or the collection...

It depends on the collection agency involved. A junk debt buyer will have more room to negotiate than a collection agency collecting on behalf of...

I owe several organizations, I have been paying but am not able to pay on a regular basis because of health issues.

You should send each collection agency a letter, certified mail return receipt, and ask for a payment history. After you know your current...

If you do not recognize the debt, you should dispute it immediately. Is the debt on your credit report? Which law firm is suing? To dispute...

In regard to consumer debt and being sued.......

You question deals with section 1692c(c) of the FDCPA. If you notify a debt collector in writing that you refuse to pay the debt, then the debt...