Debt Collector

Why Won’t the Debt Collector Agree to Remove the Debt From My Credit Report if I Pay?

credit_report_errors

Question: Dear Michael, I have a collections account with AFNI on my credit report. It is a valid debt that I owe the company they are collecting for. I keep trying to ask them if they would be willing to remove the collection off my credit report after I pay in full. The answer I get (sounds scripted) is that ... Read More »

    A Debt Collector is Chasing Me in Texas Over an Old American Express Bill

    Drowning swimmer

    Question: Dear Steve, Got an American Express card back in 2007 (I think). Got divorced, hadn’t worked in 20 years. Tried to open a restaurant lost all my money, couldn’t find a job, found one in 2013 part time. Finally found full time but I’m still not making enough money to pay off this debt. I was making payments for ... Read More »

      What Can I Do When I’m Being Sued by a Debt Collector

      Salesman

      Question: Dear Steve, I’m being sued by a debt collector for a recent charged off credit card debt. I only work part time and I’m struggling financially, thus the reason why I stopped paying my credit card bill. I simply didn’t have the money to pay it. Now I’m being sued. At least, that’s what I think its going to ... Read More »

        Company is Chasing Me for a Debt I Don’t Owe. What Do I Do?

        fakemoney

        Question: Dear Steve, Back in December of 2014 I received an email from a company stating that I owed them $990.68 for a debt that I know I don’t owe. They state in their email that they put my social security # into their National Database checking system and said that I was never charged with fraud. I emailed them ... Read More »

          Is Afni Collections Really a Scam?

          Question Theme

          Question: Dear Steve, Do you know anything about Afni Collections? I recently looked into their legitimacy and was extremely confused. There are many websites that allege Afni is a scam. I was contacted by Afni recently. I checked out their website, which shows they are located in California, but many of the websites claiming Afni is a scam state that ... Read More »

            Picking the State You Live in Based on Debt Collection Protection

            Writing Q&A, Questions and Answers on a blackboard.

            “Hello Michael, I would love to get some info on being sued in a state where you don’t live. I am close to the point where I stop paying my credit cards and wait out the 5-6 month to try to get a settlement. The total credit debt is 100K (some business cards some personal). We have moved a lot ... Read More »

              I’m About to Lose Everything. Help!

              May-the-Fourth-Be-with-You-20131

              Question: Dear Steve, I have been trying to get a loan to pay off my credit card debt. I am unable to do so as my credit score is to low. I have been checking into debt management but I don’t know what I am doing and I am scared of all of them. I truly need help as I ... Read More »

                How Can I Get the Debt Collector to Stop Bothering Me?

                Debtstar

                Question: Dear Steve, I’m getting really tired of being hassled for an old debt I don’t owe. I keep trying to explain to the debt collectors that I don’t owe the bill they keep trying to say I need to pay. What can I do? Mary Answer: Dear Mary, Being chased for a debt you don’t owe is not fun. ... Read More »

                  The Hospital Turned Me Over to Collections. Can They Do That?

                  debt1

                  I recently had procedure at hospital. Insurance paid their part. I have my part to three different people. I tried making arrangements with hospital of $100/month – they said that’s not enough for it to be paid in 6 months. I said what’s the deal with 6 months? She replied that if I don’t have them paid in full in ... Read More »

                    My Ex Was Supposed to Pay the Debt in the Divorce But They Are Coming After Me

                    Divorce

                    “Dear Steve, I was divorced in 2007. It was an amicable split and, as stipulated in the divorce decree, I took some of our combined debt and she took one of our debts in the form of a bank credit card. She remarried and together she and her new spouse decided not to pay on the debt that she assumed ... Read More »

                      Her Husband Died and the Lawyer Threatened to Take the House

                      hiding

                      “Dear Steve, Friends husband died from cancer and failed to show up at court hearing for collection suit on credit cards. After his death, collection agency(said they were an attorney) threatened to take her house if she didn’t pay off his debt. This debt was incurred before they got married and he carried into the marriage without telling her about ... Read More »

                        The Debt Collector Said I Will Be Arrested So I Paid a Debt I Didn’t Owe

                        afraid alone

                        “Dear Steve, “I was called about a debt that supposedly I owe I was in a consolidation payday debt agreement and I thought all of them had gotten paid got called about sending the police to arrest me at work. Did not want the embarrassment nor the file on my teaching record, therefore, I paid the debt $1200.00 in two ... Read More »

                          Can I Take Advantage of a Debt Collector Settlement Offer Error?

                          hiding-1

                          “Dear Steve, A debt collector mailed me a bill for the total amount of $308.00. It stated in the letter that they are offering me a settlement of 75% on the past due amount. It then stated two times on the letter that the settlement amount will only be $2.31….yes $2.31. I called them to pay the $2.31 and the ... Read More »

                            I’m Being Sued Over an Old Debt I Don’t Recognize. What Do I Do?

                            Fight Back - Red Button

                            “Dear Steve, Some debt collector has been contacting me by phone about an old debt I know nothing about and saying I am going to miss my court date in a state I have not lived in for 10 yrs. Can they file a law suit if you are not notified in person? Donna” Dear Donna, I don’t think this ... Read More »

                              How Do I Get My Old Sears Account Off My Credit Report? – Priscilla

                              puzzle

                              “Dear Steve, I had a credit card with Sears back in 1996 and due to job layoff’s I fell behind in payments and the account was sold to a collection agency. Well over time I used other credit cards and I was out of control that I used a credit counseling agency to help me pay down my debt. Well ... Read More »

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