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Tag Archives: debt collector

Denise Can’t Find CACH, LLC And It is Holding Up Refinancing Her Home

Denise “Dear Steve, I have judgment against me placed a company called CACH LLC. I cannot contact them or the attorney that placed the judgment. In midst of refinancing home to pay off judgment. Lawyer says I need a pay off amount. How can I get a pay off amount if I can’t get a hold of them? What if ... Read More »

How Do Bill Collectors Get Cell Phone Numbers?

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I am often asked how debt collectors get a hold of your cell phone or mobile phone number when you have not given it to them. It is actually very easy to do and best yet, you give it to them. Never call a debt collector on a toll-free number or a direct number if you don’t want them to ... Read More »

I Got a Call From Hoffman Schwartz & Associates Saying I Owe a Debt. – SAG

“Dear Steve, I got a call today on my cell phone from phone #404-893-4113 with the message”This is so and so with Hoffman (?) and (?). I am calling in regards to a compliant from Bank of America regarding check fraud. Please call me or have your legal representation contact me within 24 hours or I will have to file ... Read More »

Where Are The “Eager to Help” Creditors? – Steve

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“Dear Steve, I am nearly reached the end of long journey journey to enter a heathcare profession. Credit, damaged during the lean years of graduate school, was most rehabilitated. But then I had a job change (with pay cut) and adding insult to injury, I have stumbled at the last professional qualfying hurdle – the licensing exam. Once that is ... Read More »

Complaints About Bill Collectors Rocket as Debt Collectors Get Tough

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A story by CNN today makes my article on How to Hide From Debt Collection, the Debt Collector and Creditors even more timely. After several years in which Americans were buying stuff on credit they couldn’t afford, a rapidly increasing number are complaining about getting harassed and abused by bill collectors. Nearly 71,000 people filed such complaints with the Federal ... Read More »

I Am a College Student With Credit Card Debt. How Do I Hide From the Collectors? – Dora

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“Dear Steve, I am a 23 year old student who not only has debt from college loans and also credit card debt from last year (on 3 credit cards that have all been closed). I ran up a huge amount of debt in a short time and as of now I am unemployed. I am not able to work cause ... Read More »

I Have a Zombie Debt. I Paid a Debt Off That They Want to Collect On Again. – Dawne

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Dawne “Dear Steve, I was contacted recently about a debt that I had three years ago. I paid some on it according to the debt collector but I thought I had paid all of it because for the past three years I have not had any contact from them at all. I saw something about statue of limitations and was ... 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 »

There’s Big Bucks in Bad Debts

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For decades, credit-card companies and other firms would eventually give up after attempting to collect from deadbeat customers. Now, companies are packaging and selling many of those overdue accounts for pennies on the dollar to debt collectors. The collectors then aggressively pursue the debtors to repay, or they turn around and resell those same debts to other collection firms. This ... Read More »

How to Stop Debt Collector From Calling You – Video

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Here is a nice new video from the Federal Trade Commission to help explain what rights you have when facing debt collection. Get Out of Debt Guy – Twitter, G+, Facebook Read More »

Credit Card Debt Trap Video – Must See!

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Dateline NBC did a great show about the issues surrounding consumer debt in America with my friend Elizabeth Warren was in it. She is a brilliant lawyer, consumer debt author and an overall good person. It’s worth taking some time to watch all the videos below. The information presented is eyeopening and will be disturbing to many that don’t believe ... Read More »

Frightening Calls From Fake Debt Collectors Threaten People With Jail for Payday Loans. It’s a Scam.

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Phantom phony debt collectors with Indian accents are calling people trying to scare them into paying debts that are not theirs. Some of the company names they use are American Credit Services, TAC Evolution, Allied Financial Services, CashNetUSA, Sonic Bank, Sonic CashNet, CashLand, and Cash America. If you know of others, please add them in the comments section below. The ... Read More »

Debt Collector That Called People Loser for Not Paying Their Debts Just Went Bankrupt

I don’t think people who go bankrupt are losers or morally corrupt. Most people are just good people stuck in the middle of a really bad situation. But people do feel bad about the situation and often feel less than whole for having lived through the need to file bankruptcy. But I could not help chuckle at the irony here ... Read More »

Bill Collectors Keep Calling About a Truck We Paid Off in 2003. – Stephanie

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Stephanie “Dear Steve, My husband had bought a (used, but newer) truck a few years before we married (around’03?) He sold the car(truck) because full insurance with his driving history (at the time) made insurance and payment more than the rent payment. He knew he was “upside down” on the truck lien when he decided to sell it. Trying to ... Read More »

My Mother is Disabled and Bedridden in a Nursing Home and Chased by Debt Collectors. – Carolyn

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“Dear Steve, My mom is bedridden and disabled in a nursing home for over 5 years. The credit cards she left behind were notified of her phsycial and finaancial inability to pay these debts over 4 years ago. I was told by her lawyer to ignore all communication about her debts which I have done and now they have tracked ... Read More »

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