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Debt Collector

FBCS Sent Me a Printout On My Account and Says It’s Verified

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“Dear Steve, I have a charge off credit card account on my credit from 3 years ago. It then went to a collector in which I disputed the debt against, but had no luck of getting it deleted from my credit. Now I got a letter from FBCS stating they were authorized by the previous debt collector to accept a ... Read More »

    Machol & Johannes is Calling to Collect on a Capital One Debt. – Cheryl

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    “Dear Steve, Got behind on CC, due to a home base business and tried to make payment plans and they were withdrawing till end of March, got calls from them and life happened and was unable to return calls. June 9,2012–went to ‘different dept.” have a Capital one Credit Card that was recently charged-off. Amount around $16,500. Called them and ... Read More »

      Zwicker and Associates is a Pain to Work With. – Tommy

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      “Dear Steve, As with most of the folks I’ve seen on multiple sites, I’m dealing with Zwicker and Associates. The feedback is VERY contradicting, some saying they are not a true law firm and can be ignored. I chose the opposite route and am paying them monthly, however, I am very skeptical that my money is even bringing the ‘balance’ ... Read More »

        The Creditor Could Not Validate My Debt and Dropped The Suit. Will They Sue Again? – Beth

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        “Dear Steve, I was married for 17 years and we always had awful credit scores/debts. I basically “robbed Peter to pay Paul.” I got divorced in 2002, left with just what I could haul. Continuing my survival strategy, I used my credit cards (none with more than $2000 limit) to purchase necessities. I fell into the old paying-the-minimum-but-the-late-fees-put-me-over-my-limit, which in ... Read More »

          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” Dear Abraham, I’m not clear. Are you responsible for this debt or is your ... 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 »

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