Latest Posts
Home > Ask The Get Out of Debt Experts > Debt Collector (page 2)

Debt Collector

Portfolio Recovery Associates Sued My Wife on Disability. – Frank

closeup of a gavel on cash, from above

“Dear Steve, My wife and I both became disabled and she had to go on Social Security Disability in 2008 and I had to go on Retirement/Disability from the US Department of Defense Civil Service in 2004. Needless to say our incomes dropped substantially and we could no longer afford our credit card debts. My wife received a letter from ... Read More »

We Paid Our Lowe’s Credit Card Debt and Got Our Bank Account Frozen Anyway

punched-in-face

“Dear Steve, I had a Lowe’s credit card balance 700. I was late paying, do to some financial challenges. I borrwoed money to get caught up on debts, went to store and paid balance. Several years later (4) a collection agency sent a letter asking for 1800 dollars, to shelter me and thinking he was helpful, my husband setup arrangements ... Read More »

A Guy With an Indian Accent Says I Will be Arrested for an Old Payday Loan. – Cha

scam

“Dear Steve, I had a pay day loan that i default after a few payments because of personal situation that i had very little control on. Now i am getting calles from an indian accent person threating that cops will be sent to my house or work place to arrest me on felony charges and that I will need a ... Read More »

My Elderly Neighbor is Getting Debited by a Debt Collection Company. – Ann

Elder Care

“Dear Steve, I am helping a 78 year old neighbor with diminished capacity get settled into an extended-care facility, and noticed that there is an amount of $99.02 starting to come out of her bank account paid to a JJD Collections LLC in California. Her social security is $675 a month, and her section 8 rent amount is $515.15, and ... Read More »

Capital One Collector is Threatening to Sue Me. – Becky

medical-bills

“Dear Steve, I have a credit card debt with capital one. I havent heard from them in over 8 yrs…a Collection agency called today and asked Me questions…if i worked last yr…am i Getting a refund. Etc. He said he is going For a judgement against me. Can the garnish my wages? Can they take Money from cking acct? I ... Read More »

My Citi Debt Was Split Between Two Debt Collectors. – Max

mysterious

“Dear Steve, I’m back again. This time I talked to Citi about getting a higher limit because they offered me 18 months of no APR again on the same account. They said no because I had an account in collections. What do you do when you hear this? You freak out. Was my ID stolen? Did I forget something I ... Read More »

A Collection Company Bought an Old Payday Loan I Owed. They Are Threatening Me. – Ian

angry caller

“Dear Steve, an old pay day loan of 600.00 which i did not pay was bougth by a 3rd party collection bcm they called me and said they had court papers to delive but icould pay them 1200.00 and they would cancel them they taped me saying that i owed the debt and to pay payments to them if i ... Read More »

I Owed RC Willey But Had to Quit Paying Them. – John

classified

“Dear Steve, I owed R.C.Wiley $12k + had a medical situation happen and quite paying them and paid the medical . Big mistake ! Anyway they turned it over to collection law firm. I have been making quaterly payments on the $12K for 2 years and have paid the law firm over . The original amount was $8,950 but the ... Read More »

Can a Debt Collector Send a 1099-C on a Debt That Charged Off 5 Years Ago? – Regina

Help - Red Button

“Dear Steve, I defaulted on a credit card account in 2005. I was in a really bad situation. I didn’t even have enough money to eat, let alone pay this bill. I got calls about it for about a year. Then nothing. Occasionally I would get a letter or phone call, but that was it. Today I got a call ... Read More »

The Collection Company Says They Will Clean Up My Credit Report if I Pay. – John

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I had a Doctors bill in 2010 I did not pay. Had several financial problems and were not able to get them paid. The collection company contacted me and stated that if I paid the bill in full they would send a letter to the credit burea’s removing the derogatories on my report and send me a copy ... Read More »

Old Payday Loan People Are Threatening to Turn Me Over to Local Authorities. – Shemeka

angry caller

“Dear Steve, Over 5years ago I took out went to a check cashing place n got a pay day loan n forgot about it so i didnt pay them off now about 2months ago a collection agency has been calling for repayment of check for about 520.00 and on top of that lawyer and court fees. I’ve asked them to ... Read More »

A Guy Keeps Calling And Says He Has a Summons for Me About Some Debt. – Stefannie

White Collar Criminal

“Dear Steve, Private number keeps calling saying there has been a summons for me. He states I can call the company at 866-239-0475 and settle out of court. He also claims he as on e was to my work. I didnt call back BC when I Google the number it led to a scam. The guy also called my work ... Read More »

I Left the U.S. With Debt and Now Collectors Are Calling My Mom. – Kathleen

moving

“Dear Steve, My name is Kathleen and I’m sure you’ve heard every story under the sun by now. My life has been a downward financial spiral. I’ve been living off of odd jobs and my credit cards to survive. In October, I left LA and moved to Asia, where I am now. Hopefully, I’ll find better work with my resident ... Read More »

A Lawyer Office Says They Will Garnish My Wages and Take My Tax Return If I Don’t Pay By Tomorrow. – Annette

angry caller

“Dear Steve, Someone called from a lawyers office claiming i have credit card debt from 2004, they said that is when my last payment was. Now they are threatening if i dont make an arrangement by tomorrow morning that the guy is coming to collect my paperwork and turn it in to the IRS with a 1099C and they can ... Read More »

Cash America Says They Are Going to Arrest Me for an Old Loan. – Melissa

Screen Shot 2012-12-03 at 5.29.46 PM

“Dear Steve, I got a phone call from a number in New York Claiming I owe money to Cash America and I am being suied and will lose my job and be arrested. I have not taken a loan from cash america and the number is 516 302 1077. They really scared me, cause they knew the last four digits ... Read More »

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.