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Debt Collector

I Think I’m Getting Calls From a Phony Debt Collector With Pay Day Yes. – Cindy

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“Dear Steve, Hi Steve … I’ve written to you previously regarding a different matter with the Cash Store. I had another pay day loan a few months ago (maybe 6 months) and had to default on it due to unforeseen household repairs. I made payment arrangements to pay them a reduced amount every 2 weeks and once my balance reached ... Read More »

What Can We Do to Force Chase Bank to Give Us Realistic Repayment Terms? – David

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“Dear Steve, My wife Shantell has two unsecured credit cards from Chase Bank. Her debt on the cards totals about $23,000.00. They are threatening to sue her on January 14 if she does not pay almost $2400 on the largest debt upfront to have the debt removed from the hands of the attorneys so she can deal directly with Chase. ... Read More »

My Mother Buried Three Kids on Credit. – Theresa

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“Dear Steve, My mother is being sued by Chase Bank. She’s 80 Jan. 2010, works full time 7.78hr-14 yrs. same employment dishwasher. Raised 5 kids, buried 3 on her credit. Did get small ssa from dead dad 1894-1965 (so he didn’t pay much in) No public asssistance i.e. food stamps, welfare. Just worked & payed bills her entire life. She ... Read More »

Frederick J. Hanna & Associates is Trying to Collect an Old Capital One Debt From Me. – Ann

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“Dear Steve, I am in debt with Capital One credit card company. I’ve been unable to pay them for the past year. I just recived a letter from FREDERICK J. HANNA & ASSOCIATES, P.C. ATTORNEYS AT LAW. It states I need to contact them to make arrangements to pay the unpaid balance. If I don’t notify the office within 30 ... Read More »

I Had a Western Michigan University Credit Card. I’m Now Getting Sued On It. – Martha

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“Dear Steve, I am being sued by a debt collector/attorney’s office on an old WMU credit card account which was closed over 2 years ago. I’ve told them in writing that I have no income other than unemployment and no assets. My court date is scheduled end of January. This week I got a letter from them “subpeoning” me to ... Read More »

Asset Acceptance Called Me on an Old Bank of America Debt. – Terri

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“Dear Steve, Asset Acceptance LLC called me recently and said they were collecting on an old Bank of America debt. They told me it was from a period of time when I lived in California (1993-1994). I told them I did not believe I owed this debt and to please send me a statement or signature verifying it belongs to ... Read More »

Weltman, Weinberg & Reis Sued Me and Now Have a Judgment Against Me. – Jay

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“Dear Steve, Been hastled by weltman weinberg and reis co. They now have a judgement against me for an old credit card. They are now trying for writ of execution. I have recently had a judgement against me for 5,000. This is for a debt owed to a credit card that was charged 3,000. I am on unemployment and have ... Read More »

I Can’t Sleep and Have No Food But Collectors Want More. – Anikka

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“Dear Steve, I signed contract with ad agency for reduced rate advertising that cost $2400. I had to cancel and they sent final invoice for $2400. I couldn’t pay and the collection agency is asking for $3600. . I have now paid $2400 and just realized the difference. I made payment arrangements and can’t make the final $1200 payment so ... Read More »

Navy Federal Credit Union Told Me to Go Bankrupt. – John

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“Dear Steve, I owe $17,000 in credit cards. I am going through financial hardhsip. I owe 17K to NFCU for credit card. I have spoken to their collections dept. several times. We have been unable to come up with a payment plan that fits my situation. They want 250.00. Can only afford 50 per mo. at this time. This is ... Read More »

Is This Consumer Debt Hardship Initiative a Scam? – Peter

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“Dear Steve, I recently got a letter that makes me wonder if this is something I should do. 1050 Connecticut Ave. Washington, DC 20036 United states Of America RE: HR 5140 Consumer Debt Hardship Initiative They said I was eligible for hardship programs created in conjuntion with the Consumer Debt Hardship Initiative of 2009 and listed one of my debt. ... Read More »

I Owe Capital One $55,000 And Have Not Paid in 8 Months. – Dawn

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“Dear Steve, I owe $5,500 to Capital one. I have not paid in 8 months and it went to collection. They said they are going to sue me. I dont have the money to pay on this for another few months. What do I do? Hi, I am 24 and I have a credit card with Capital one which I ... Read More »

An Old Zombie Debt Has Resurfaced. What Should I Do? – Greg

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“Dear Steve, I have a zombie debt from 1997 that a company is calling about now. It was from a large retailer and while I’m pretty sure it was paid (Only a couple hundred dollars) I won’t swear to it, it’s just too far back to be sure of. Texas law says soL has ran out (4 yrs). I can ... Read More »

Unemployed, Pregnant, and Can’t Afford the Payments – Erin

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“Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills. Do I have to send the collection agency the payment they are demanding, or can I send what little I can afford without ... Read More »

I’m Being Asked to Pay On a Debt I Paid But Can’t Find the Proof. – Stacey

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“Dear Steve, I was hospitalized in 2004 and paid out-of-pocket the balance that my insurance did not cover. I payed off and settled all debts at the beginning of 2005 with the hospital. They told me that I was clear and owed nothing else. This was almost 5 yrs ago and have not heard or received anything from them at ... Read More »

The Collection Company Will Not Make Payment Arrangements With Me. – Dee

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“Dear Steve, I owe a collection agency for a debt that i owe to the college I graduated from. They will not make payment arrangements with me and I do not want my wages garnished. Dee” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, ... Read More »

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