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Debt Collector

I have two credit card debits and contacted vortex debt group. – Thomas

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Since 2008 I have had these two credit card debits one is 3000 and the other is 5000 and back then I contacted vortex debt group because I had seen a commercial about debt consolidation, in the past I have never searched them on google I always believed the were trustworthy and in 2010 zwicker took up one of my ... Read More »

    Can I deal with the original creditor instead of the collection agencies? – Theresa

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    I have 3-4 collectin accounts, however, my undfestanding is according to fair credit act, i am not required to negotiate with them but can send a cease and desist letter and work directly with original creditor , but all the debt management companies i talk to tell me it isn’ t possible. That if the original creditor has turned over ... Read More »

      Got a Call From Barnes Givenski & Associates About Check Fraud

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      Chapter 7 bankruptcy filed and discharged in 2009; we did use an attorney and we did list every single debt we were aware of at the time. We live in Colorado. Today I received a call from Mr. Washington with Barnes Givenski & Associates. The caller-id number that came up is 678-819-4985. Mr Washington left me a message stating he ... Read More »

        I asked a collection agency for proof that they own my debt? – Jane

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        In large amount of debt due to underemployment and then unemployment. Used retirement to pay off one debt; still have 2 others; have paid very small amount on each to original creditor. I missed one payment and the collection agency called. Bankruptcy is not an option since my house payment is very reasonable. I asked a collection agency to provide ... Read More »

          LNVN Funding is trying to collect debt that is not mine in West Virginia. – Melanie

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          I am wondering if LVNV is licensed to collect in WV. What is WV SOL for credit card debt? There are two credit cards that were charged off in 2006 that I didn’t open. I never authorized anyone to open any credit cards in my name. There were opened in 2005 and 2006. I didn’t know they were on my ... Read More »

            Can My Creditors Take My Daughters Money From the Bank Account I Started for Her? – Beth

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            Divorce, Loss of Custody, Bankruptcy, lots of bad decisions, job loss — you name it. I lost my job 2 years ago and racked up a fair amount of debt. I also gained back custody of my oldest the year before she started college (still think it’s a plot by my ex) and thankfully, with my financial situation and her ... Read More »

              How to Respond to Junk Debt Buyer. – Cherilyn

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              My husband and I have a large credit card debt. We stopped making payments in early 2010. He is a 63 year-old disabled veteran with a small monthly pension from the government. He is also receiving $435 in Social Security per month. I am a 55 year-old independent contractor. I make money on a per-job basis, and due to layoffs ... Read More »

                My Sears Card Was Purchased by a Debt Collector And Then Sent to Another Debt Collector. – Jo

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                I had a debt with Sears store card and the debt was bought by a third party. This company (debt collector) send me several settlement offers until I accept one for half what I own to them. I started to make payments as promised and by the very last payment they did not take it and weeks after that I ... Read More »

                  Does a Collection Company Have to Accept Small Payments? – Sue

                  “Dear Michael, “Working with a debt relief company recommended by the bank. Have a visa credit card, was behind in payments because of job loss. Bank sold my debt to a collection agency (just received the letter). Sent the letter to my debt relief company. Prior to this, we have set up a budget. I am job hunting and want ... Read More »

                    Frederick J. Hanna is Trying to Collect on My Capital one Bill. – Cynthia

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                    “Dear Steve, I am trying to get a bill paid to capital one and they have engaged Frederick J. Hanna. to collection. I am retired and don’t have a lot of money I have been paying the bill but this month I had to have a plumber out that took the payment. I have written them and called and left ... Read More »

                      Primary Investment Services and Investment Retrievers Are Looking for Payment. – Paul

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                      “Dear Steve, I was the owner of an LLC, secured 2 loans (LOC and term loan) and a VISA card from a big nationally known bank. I personally guaranteed the loans and VISA account. My business dried up and I stopped paying in 2010-05. I spoke to “Primary Financial Services” in 2010 and tried to make arrangements for monthly payments ... Read More »

                        Debt Collector Wants Money I Already Paid. – Larry

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                        “Dear Steve, I had Aetna medical insurance through December of 2008 and enrolled in Kaiser beginning with my 2009 health insurance. I just received (dated Nov 2) a collection notice from the bill collector, RMS, representing Aetna stating that I owe the Aetna Mail Order Pharmacy for two prescriptions in 2008. They give no information of what the medications were, ... Read More »

                          Discover Card Says They Will Sue Me. How Should I Handle This? – Catherine

                          “Dear Mitch, I live in Florida & about 6 months ago I had to stop paying on several of my credit cards because of an increase in medical expenses for my partner. I just received a notice from discover card stating that unless I begin payments today on my balance ($2915.00), they will send my account to an attorney & ... Read More »

                            I Was Making Payments to American Express and They Are Now Threatening to Sue Me. – Gracie

                            “Dear Mitch, My financial life is too horrible to go into, has been since 2001 and as a result, what once I could pay I now can’t. I had 2 American Express cards that I have been making good faith payments on each month and have been for some time. Now I’m being sued by American Express because of ‘failure ... Read More »

                              Three Collection Agencies Are Trying to Collect on the Same Old Debt. – Michele

                              “Dear Mitch, An old Washington Mutual account went to collection with a balance around $7k. When my situation improved I started paying the collection agency, and got about half of the debt paid off so the balance was a little over $3k. Unfortunately I had to stop payments again, and the collection agency sold the account. I haven’t paid on ... Read More »

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