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Debt Collector

Zwicker & Associates Wants Me to Pay More Than I Can Afford

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“Dear Steve, I got in over my head in debt. Of course, that is why I am writing you. So, about two years ago I was on a debt management plan, with Incharge debt solutions. I had to drop out after paying off one credit card and paying down a bunch more. Than about six months later I reapplied and ... Read More »

    Can a Creditor Sell My Debt They Can’t Validate?

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    “Dear Steve, Last month I received a letter from a 3rd party collector saying I owed $786.00 on a cell phone account. So I practiced my rights and sent them a letter requesting full validation of the debt. It has been almost 40 days and I never received any letter or documents back showing they owned the debt, could collect ... Read More »

      Can I Send a Token Amount to the Debt Collector And Stop Them?

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      “Dear Steve, I was recently laid off. At the time I was halfway finished with paying off a $6,000 collection loan. I am allowing them to wthdraw $250 bi-monthly from my checking acct. at this point w/ my unemployment I no longer have that amount available. Should I close my acct? Is there a legal minimum amount I can pay ... Read More »

        If I Settle My Debt With a Collection Agency Can They Sell That Debt? – Tom

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        “Dear Steve, Medical problems starting in 2006 which made me unable to work. I am finaly getting compensation, not big money. I want to offer 50% settlement to collection agencies. I’v heard that collection agencies agree to settle then sell the balance to another collection agency. Is there a letter or form that would legaly keep the collection agency from ... Read More »

          My Daughter is Not Working and Bank of America is Suing Her. – Abraham

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          “Dear Steve, This is about my daughter she is a student she is not working she owes $4500.00 to Bank of america so i got court date from glaser &glaser so i have to take care of my self they ask for $ 4899.26 Thanks Abraham” The Answer Dear Abraham, I’m not clear. Are you responsible for this debt or ... Read More »

            I’m Working With a Debt Consolidation Company But Have Two Attorneys Trying to Collect The Same Debt. – Luisa

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            “Dear Steve, I am working with a debt consolidation company who have made settlement arrangements for all my cards. Unfortunately, I had a court case filed against me by Collections Attorney A (don’t want to mention Attorney’s name) for my last card. I was able to make a settlement agreement (with signed documents as proof) on that card and assumed ... Read More »

              Can a Purchaser of My Debt Charge Me Anything They Want? – Louise

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              “Dear Steve, I turned over one of my credit card debts to a debt negotiation company. I currently checked my credit report and this credit card shows status of closed. Write off of $xxxx. A credit collection company now shows up on my report as a debt purchase account – and has $xxxx – $100 listed as the balance but ... Read More »

                What Repayment Plan Should I Ask for From NCO Financial for My American Express Debt? – Steven

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                “Dear Steve, I currently have 30k in debt from American Express, and it is in collection from NCO Financial for about 6 months. I make around 1100 after taxes, want to make a weekly plan. Wasnt sure what i should do when i call them and ask about terms. Should i make a long term plan to pay of the ... Read More »

                  Am I Legally Obliged to Pay Security Credit Services that Bought My Debt? – Julie

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                  I have debt with Wells Fargo, I’ve received a court summons from an Attorney’ Office which is representing a company called “Security Credit Services, LLC” which must have bought my debt from Wells Fargo. I do admit that I had a loan from Wells Fargo some time ago and ran into some hard financial times and was unable to make ... Read More »

                    Can Debt Collectors Call Me on My Company Owned Cell Phone? – Paul

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                    About 4 months ago I had to goto ER, so now I’m finally getting around to setting up payment plan for the portion ins didn’t cover. I call the hospital billing dept and the girl there says I can do payment plan: minimum is $105 pe rmonth until balance of $3000 is paid. I said ok great let’s do that, ... Read More »

                      How to stop a junk debt buying collection company from re-aging an old debt?

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                      Do collections agencies have access to Credit Bureaus? It seems like every year we pull our free credit reports, within days we start to get calls from strange collection agencies trying to collect on debts we had 10+ years ago. Every once in awhile I get a call on an old VISA card I had when I was 18 (20+ ... Read More »

                        Harrassment from Advance Me Today via Fax to My Work

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                        I took out a payday loan from Advance Me Today. Granted, I got in over my head and could not repay on time. I want to set up payments but the customer “service” rep I spoke with became very belligerent. I got frustrated and said, “I don’t think I’ll pay you AT ALL!” and hung up. Next thing I know ... Read More »

                          How Can I Find Out Who is Handling Pay Day Loans I Took Out? – Brit

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                          How am I able to see what check into cash / pay day loans I have taken out? In 2008 I was in college and working an internship. At that time, I took out a few loans and now have a detective calling me. Is there a way to see where these loans are and have gone to? Apparently they ... Read More »

                            Zwicker & Associates is trying to add interest charges on a bill I’ve been paying off, but they never informed me they were doing so. – Shelia

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                            I had a court date for a Target bill that I could no longer keep up with due to unexpected circumstances beyond my control. Target got Zwicker to represent them. I actually had gone into debt consolidation, but the debt consolidation agency couldn’t include Target because I had JUST been notified about going to court. When I went to court, ... Read More »

                              How can I cancel a Direct Buy membership? – Anita

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                              Sometime in September of 2010 I saw an ad on TV about Direct Buy, and coincidentally I received an invitation to visit the “Wholesale” company at around the same time. The invite said they would show me how to save on a variety of purchases for home items, construction, etc. I thought I would take a look since I wanted ... Read More »

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