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Debt Collector

I’m Working With a Debt Consolidation Company But Have Two Attorneys Trying to Collect The Same Debt. – Luisa

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“Dear Steve, I am working with a debt consolidation company who have made settlement arrangements for all my cards. Unfortunately, I had a court case filed against me by Collections Attorney A (don’t want to mention Attorney’s name) for my last card. I was able to make a settlement agreement (with signed documents as proof) on that card and assumed ... Read More »

Can a Purchaser of My Debt Charge Me Anything They Want? – Louise

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“Dear Steve, I turned over one of my credit card debts to a debt negotiation company. I currently checked my credit report and this credit card shows status of closed. Write off of $xxxx. A credit collection company now shows up on my report as a debt purchase account – and has $xxxx – $100 listed as the balance but ... Read More »

What Repayment Plan Should I Ask for From NCO Financial for My American Express Debt? – Steven

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“Dear Steve, I currently have 30k in debt from American Express, and it is in collection from NCO Financial for about 6 months. I make around 1100 after taxes, want to make a weekly plan. Wasnt sure what i should do when i call them and ask about terms. Should i make a long term plan to pay of the ... Read More »

Am I Legally Obliged to Pay Security Credit Services that Bought My Debt? – Julie

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I have debt with Wells Fargo, I’ve received a court summons from an Attorney’ Office which is representing a company called “Security Credit Services, LLC” which must have bought my debt from Wells Fargo. I do admit that I had a loan from Wells Fargo some time ago and ran into some hard financial times and was unable to make ... Read More »

Can Debt Collectors Call Me on My Company Owned Cell Phone? – Paul

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About 4 months ago I had to goto ER, so now I’m finally getting around to setting up payment plan for the portion ins didn’t cover. I call the hospital billing dept and the girl there says I can do payment plan: minimum is $105 pe rmonth until balance of $3000 is paid. I said ok great let’s do that, ... Read More »

How to stop a junk debt buying collection company from re-aging an old debt?

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Do collections agencies have access to Credit Bureaus? It seems like every year we pull our free credit reports, within days we start to get calls from strange collection agencies trying to collect on debts we had 10+ years ago. Every once in awhile I get a call on an old VISA card I had when I was 18 (20+ ... Read More »

Harrassment from Advance Me Today via Fax to My Work

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I took out a payday loan from Advance Me Today. Granted, I got in over my head and could not repay on time. I want to set up payments but the customer “service” rep I spoke with became very belligerent. I got frustrated and said, “I don’t think I’ll pay you AT ALL!” and hung up. Next thing I know ... Read More »

How Can I Find Out Who is Handling Pay Day Loans I Took Out? – Brit

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How am I able to see what check into cash / pay day loans I have taken out? In 2008 I was in college and working an internship. At that time, I took out a few loans and now have a detective calling me. Is there a way to see where these loans are and have gone to? Apparently they ... Read More »

Zwicker & Associates is trying to add interest charges on a bill I’ve been paying off, but they never informed me they were doing so. – Shelia

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I had a court date for a Target bill that I could no longer keep up with due to unexpected circumstances beyond my control. Target got Zwicker to represent them. I actually had gone into debt consolidation, but the debt consolidation agency couldn’t include Target because I had JUST been notified about going to court. When I went to court, ... Read More »

How can I cancel a Direct Buy membership? – Anita

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Sometime in September of 2010 I saw an ad on TV about Direct Buy, and coincidentally I received an invitation to visit the “Wholesale” company at around the same time. The invite said they would show me how to save on a variety of purchases for home items, construction, etc. I thought I would take a look since I wanted ... Read More »

I have two credit card debits and contacted vortex debt group. – Thomas

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Since 2008 I have had these two credit card debits one is 3000 and the other is 5000 and back then I contacted vortex debt group because I had seen a commercial about debt consolidation, in the past I have never searched them on google I always believed the were trustworthy and in 2010 zwicker took up one of my ... Read More »

Can I deal with the original creditor instead of the collection agencies? – Theresa

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I have 3-4 collectin accounts, however, my undfestanding is according to fair credit act, i am not required to negotiate with them but can send a cease and desist letter and work directly with original creditor , but all the debt management companies i talk to tell me it isn’ t possible. That if the original creditor has turned over ... Read More »

Got a Call From Barnes Givenski & Associates About Check Fraud

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Chapter 7 bankruptcy filed and discharged in 2009; we did use an attorney and we did list every single debt we were aware of at the time. We live in Colorado. Today I received a call from Mr. Washington with Barnes Givenski & Associates. The caller-id number that came up is 678-819-4985. Mr Washington left me a message stating he ... Read More »

I asked a collection agency for proof that they own my debt? – Jane

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In large amount of debt due to underemployment and then unemployment. Used retirement to pay off one debt; still have 2 others; have paid very small amount on each to original creditor. I missed one payment and the collection agency called. Bankruptcy is not an option since my house payment is very reasonable. I asked a collection agency to provide ... Read More »

LNVN Funding is trying to collect debt that is not mine in West Virginia. – Melanie

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I am wondering if LVNV is licensed to collect in WV. What is WV SOL for credit card debt? There are two credit cards that were charged off in 2006 that I didn’t open. I never authorized anyone to open any credit cards in my name. There were opened in 2005 and 2006. I didn’t know they were on my ... Read More »

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