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Debt Collector

I Just Got a Notice That My SSI Payments Are Going to Be Garnished for an Old Student Loan. – Alexandria

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“Dear Jeremy, I withdrew from my doc studies three months before graduating becuase my spouse became terminnaly ill in 1997. He passed away Dec 20, 2010. From 1997-2011 I became his full time caretaker. I could not work. The student loan people hired various agencies that proceeded to abuse us every day 7 days a week calling family, neighbors, friends, ... Read More »

I Had an Agreement to Pay American Express Monthly. The Collection Company Wants to Increase It. – Tony

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“Dear Jeremy, I’m currently with a credit counseling agency, paying off creditors for about 5 months. A collection agency that represents Am Express wants to increase there payment from 134.00 to 500 a month and are taking me to court. They have accepted all my previous payments, but wants more!! A cannot pay that. Do i have any ground to ... Read More »

Is There an Advantage to Paying an Attorney to Deal With an Old Debt? – Annette

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“Dear Jeremy, Credit score 580 Credit history late payment excessive charge off Payday loan companies, credit cards and old Banks account closure excessive collection agencies Three questions: 1.What do I do with collection agency that is trying to collect on charge-off account from orginial creditor? 2. What do I do if charge off account with the original owner is past ... Read More »

A Collection Company is Trying to Collect a 10 Year Old Debt With a Small Balance. – Melissa

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“Dear Jeremy, Had a $300 balance on a credit card which was paid off from funds from a refinance 10 years ago. The payment was dispursed along with other payoffs. The payoff was sent directly to the credit card company and not the collection agency that was trying to collect the funds at the time. Now I am receiving calls ... Read More »

My Identity Was Stolen and Collection is Trying to Get Money From Me That I Never Owed. – Barbara

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“Dear Jeremy, Indenity theft 10 years ago 3 cards. (I had a house for sale in a another city. They got my mail. They changed my address back to that house) One I paid off. Someone used my card I already taken out. and I could prove that I did not use it. I was teaching in a classroom in ... Read More »

Nationwide Credit Keeps Trying to Collect on an Old Credit One Car Loan I Fully Paid Off. – Selena

Collection Letter

“Dear Jeremy, I completed paying off my car loan as of 12/2010. I own some late fee’s and the collection company has been giving me a hard time verifying who they are and has threaten to repo my car, given me a actual date in when they were coming pick it up. Which that date has come and gone. Now ... Read More »

My Student Loan Story From Hell. – Jody

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“Dear Jeremy, My student loan story of hell. Between 1985 and 1989, I took out student loans to the total of approximately $14,000. Being a single mother, thought education would get me a better job than a factory job. So I got my education and could not find a job that would pay me enough to pay rent, electricity, gas, ... Read More »

Free FDCPA and Debt Collection Violation Help Now Available from GetOutOfDebt.org

I’m happy to announce that attorney Jermey Golden has recently joined the team of growing experts here at GetOutOfDebt.org. Jeremy is an expert in Fair Debt Collection Practices Act issues, debt collector abuse and debt collection violations. Jeremy Golden, Esq. is one of the resident debt experts here at GetOutOfDebt.org that helps people for free. Jeremy is a consumer rights ... Read More »

Zwicker and Associates is Suing Us for Chase. We are 74 And Don’t Know What to Do. – Nilda

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“Dear Steve, My husband received summons to appear in court from Zwicker and Associates representing Chase Card. My husband is 74 and does not know what to do. I’ve read a lot of questions and answers from your website. I know we have to respond to the summons with in 20 days. Do we have to send a discovery letter ... Read More »

Am I Safe Paying Leading Edge Recovery Solutions With My Debit Card? – Nancy

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“Dear Steve, Leading Edge Recovery Solutions is the CA that bought my Sears account. They offered to settle for $867 but I do not have the money. They now offered to set up 12 monthly payments of $123. I do not have a problem paying since this is my debt. The only problem is that they want my bank account ... Read More »

Midland Funding Sued Me For My Target Visa and The Issued Me a 1099. – Charlenia

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“Dear Steve, In 2006, Midland Funding started mailing me letter about a dept Visa from Target, I advised them another Dept collection had agreed to a pay off and that the Dept was paid. Letter in 2007 they begain sending me bills again, I did not respond. Then I was served to by them for the same Dept. On July ... Read More »

Can I Request a Bill From the Cable Company to Show What I Owe? – Brittany

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“Dear Steve, I moved to Kansas(2005) and got married and set up an account with the cable company. I moved back to california(2007) due to getting a divorce but before i made the move i returned the equipment to the cable company. I also could’ve sworn they were paid off but i recently received a call from a collection agency. ... Read More »

The Lender is Threatening to Arrest My Son Because He Sold the Collateral For the Loan. – Pat

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“Dear Steve, My son got a loan from Security Financial and used several items as collateral. He recently lost his job, fell behind on payments, and they came to the house to tell him that they would be taking him to court to get the collateral since he couldn’t pay. He told them he sold the collateral to make previous ... Read More »

I Can’t Pay My Old Ambulance Bill.

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“Dear Steve, I have 3 year overdue ambulance bill that was sent to collections. Two months ago the debt collector called my place of employment for job verification. Then she called my home and left me a message to call her. When I contacted them I offered to pay 35.00 monthly and she refused and asked for 75.00 I agreed ... Read More »

Capital One is Only Suing Me On One of My Cards. – Angela

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“Dear Steve, I live in Illinois and have been summons to court for debt to capital one.My question is why is capital one suing me only for one card I have defaulted on when there are two? I’m being sued for 1800 on a card that had a 500 limit I stopped paying june of 2009 and I also have ... Read More »

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