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Debt Collector

How Do I Get My Old Sears Account Off My Credit Report? – Priscilla

puzzle

“Dear Steve, I had a credit card with Sears back in 1996 and due to job layoff’s I fell behind in payments and the account was sold to a collection agency. Well over time I used other credit cards and I was out of control that I used a credit counseling agency to help me pay down my debt. Well ... Read More »

Can I Get Macy’s and Capital One to Please Charge Off My Credit Cards? – Brigitte

End of stress.

“Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one for $5,000, do you think if I call them and let them know I’m unemployed they will charge off my cards? is it ... Read More »

It’s Been So Many Years But First Card Visa Collection Company Contacted Me. – Sally

hiding-1

“Dear Steve, I was contacted by a collection agency regarding a First Card Visa that was opened in 1991 and closed as a charge off in 2006. They just contacted me yesterday and it’s 2013! Can they still collect from me even though it was a charge off? I am aware that collections is big business and they coming out ... Read More »

A Directv Collection Agency Took Our Money. – Georgia

Money puzzle piece

“Dear Steve, MY QUESTION TO YOU STEVE,IS MY HUSBAND AND I PAID OFF A DEBT OVER A YEAR AGO, AND WE STILL HAVE THESE COLLECTION AGENCY CALLING US. IS THERE ANYTHING WE CAN DO ABOUT THAT? ALSO WE HAVE JUST MOVED IN TO A NEW PLACE AND WE CALL DIRECT TV FOR SERVICES THEY TOOK ALL OF OUR INFO AND ... Read More »

Can the Original Creditor and Debt Collector Report the Same Account Twice on My Credit Report? – John

money

“Dear Steve, Can the original debt grantor continue to report your debt to credit bureau’s after they have turned the debt over to a collection law firm. They show one balance the debt grantor and the collection company shows a larger balance. John” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of ... Read More »

The NCO Debt Collector Lied That I Could Settle My Private Student Loan Debt. – Matt

crime scene

“Dear Steve, The background information is something like this: I went delinquent on a student loan (private) after a period of financial hardship. It defaulted and went over to NCO Financial for debt collections. I wasn’t sure how the whole process worked at the time, and I started a payment plan. My agent at NCO was named John and would ... Read More »

How Do I Get Midland Credit Management to Stop Calling Me?

blank screen mobile in woman hands

“Dear Steve, Calls started mid October 10/12. Always let unknown calls go directly to VM. Multiple calls – never a message. Sent Cease & Desist letters via certified/return receipt to both of the published California addresses on 11/16/12. Received both return receipts. Calls started again n 11/26/12 – 19 calls to date. I have NEVER spoken with a representative of ... Read More »

My Friend Asked the Collection Company to Validate a Debt But They Are Still Contacting Them. – Edward

404 error

“Dear Steve, A friend of mine told me that after an 8+ year association with a cell phone carrier, when changing to another carrier, the prior said she owes @ $500.00. When contacting the carrier, she was told there was a change on her account in 2012 that made a “new agreement.” But this “change” could not be verified. Shortly ... Read More »

Account Corp is Collecting a Debt From Me But Can’t Clarify the Balance Due. – John

calculator

“Dear Steve, Debt with R.C.Willey ,that due to emergency health situation ,it went to Acct Corp of Nevada as collection. Per Account Corp principal of debt was $8,881.48 , Contractual collection fees of $2,960.49 of which RCWilley has reduced to $2,018.52.contracual interest of $5,230.78 which there client R.C.Willy has agreed to reduce to 0. I have R.C.Willy’s transaction history on ... Read More »

I Want to Make Money Fast by Buying Discharged Debt and Tax Liens. – Mc C

crime scene

“Dear Steve, I just got out of debt by a thrid party company purchasing my debt. So of course….now, I want to buy a debt package that can yield about $25k for $350 bucks. Steve??? Is it even worth it? I’m fearful about buying debt with BK attached, especially Chap#7. It’s either buy debt or buy tax lien certificates? Which ... Read More »

I’m Losing Sleep Over Debt Collector Threats. – David

don't give up

“Dear Steve, On April 10,2013 My wife got a call from someone with a forgin accent who told her that they have criminal papers with my name on them breach of contract/fraud for a payday loan that I supposed to have taken out sometime in 2008, I have not got any paper work on this I don’t know where the ... Read More »

Comcast Claims We Didn’t Return a Cable Box Six Years Ago. Now What? – Sheryl

pain

“Dear Steve, I was a comcast customer Years ago. I returned all of my gear and i just received a bill for almost $1100. They are saying that I did not turn in my gear. Remote Control and Cable Box. It has been almost 6 years since I canceled my service with them. This is crazy. It is going to ... Read More »

Can I Settle My Old Debt With the Debt Collector? – Josh

No problem

“Dear Steve, I am 23, almost 24 years old and moved states about 2-3 years ago for a new job. I have owned a credit card since I was 18. I have always paid my balances on time and never had any problems, ever. I now have a debt that I owe of 6,208. With about 4,000 of what I ... Read More »

It’s Not Fair That I’m Paying Back Really Old Debt. – C

money down the drain

“Dear Steve, A divorce in 2005 caused a significant nose dive to my credit. I am now financially secure to pay my creditors (department cards, one revolving bank card, student loans). 2005 seems to continues to haunt me. I had two major credit cards default. Both card account are no longer on my credit report. Card #1 I have made ... Read More »

Bank of America Sold My Debt to North Star. What Now? – Jane

contemplate

“Dear Steve, Bad credit due to financial hardship/reduction in my income. My Bank of America was charged off and sold to North Star last Feb. 28, 2013. North Star has called but I have not answered. My question is should I contact them and pay this debt or just not contact them at all. I want to work on getting ... Read More »

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