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Debt Collector

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 »

                        Can I Get Macy’s and Capital One to Please Charge Off My Credit Cards? – Brigitte

                        End of stress.

                        “Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one for $5,000, do you think if I call them and let them know I’m unemployed they will charge off my cards? is it ... Read More »

                          It’s Been So Many Years But First Card Visa Collection Company Contacted Me. – Sally

                          hiding-1

                          “Dear Steve, I was contacted by a collection agency regarding a First Card Visa that was opened in 1991 and closed as a charge off in 2006. They just contacted me yesterday and it’s 2013! Can they still collect from me even though it was a charge off? I am aware that collections is big business and they coming out ... Read More »

                            A Directv Collection Agency Took Our Money. – Georgia

                            Money puzzle piece

                            “Dear Steve, MY QUESTION TO YOU STEVE,IS MY HUSBAND AND I PAID OFF A DEBT OVER A YEAR AGO, AND WE STILL HAVE THESE COLLECTION AGENCY CALLING US. IS THERE ANYTHING WE CAN DO ABOUT THAT? ALSO WE HAVE JUST MOVED IN TO A NEW PLACE AND WE CALL DIRECT TV FOR SERVICES THEY TOOK ALL OF OUR INFO AND ... Read More »

                              Can the Original Creditor and Debt Collector Report the Same Account Twice on My Credit Report? – John

                              money

                              “Dear Steve, Can the original debt grantor continue to report your debt to credit bureau’s after they have turned the debt over to a collection law firm. They show one balance the debt grantor and the collection company shows a larger balance. John” Dear John, There are a number of issues here. The first is if the collection company is ... Read More »

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