The debt collector can seem like a scary person but debt collection is like any other business and the debt collector is just trying to do a job and get paid.
Question: Dear Steve, I was in Lincoln Tech back in 2013 but I had to quit due to medical reasons (major surgery). I couldn’t return. I was not able to work for several years just really got back on my feet but they have me in collections the debt of $6000+ was due to be …
Question: Dear Steve, Loss of income, just need some relief. Once you enter the debt relief program, are creditors still allowed to contact you? Curtis Answer: Dear Curtis, While your question is missing a lot of detail and information, you raise a great question. The answer is not as easy as you would hope. I …
Question: Dear Steve, I keep receiving emails every couple of months from Ace Legal Group of Attorneys. Stating they are going to garnish my wage, my bank account, and issue a warrant to the Sheriff’s department. If I don’t respond to them within 48hrs to set up payment arrangements. Is this something I should be …
Question: Dear Steve, I think I signed up for Bally (I don’t even remember) in the early 90s and received a phone call today 6/23/2020 stating they are hitting me with a judgment on my credit. How can they do that with the debt being so old? Not even to mention I can not even …
Question: Dear Steve, Internet service providers overcharging and extremely under performing. Paying $69.99 a month for 425mbs, highest speed ever on a speedtest is 70mbs. If I pay only $1 a month on my isp bill, can they, spectrum, drop me? If yes, is there a minimum I can pay where it is illegal for …
Question: Dear Steve, Hello. I’m a 29-year old. I have had only two credit cards (both closed) and now I have a card from a creditor asking for money. I had the credit card when I was in my early 20’s and they only had a credit line of $1,200. So the debt is quite …
Question: Dear Steve, I have been harassed by Alliance Recovery for over two months. I need to send them a Cease & Desist letter. I need the mailing (physical) address of Alliance Recovery Services? Thank You. Robert Answer: Dear Robert, I hate to state the obvious but you should ask them. The name is generic …
Question: Dear Steve, JAN. 15 2020 we went to court and I requested the court to dismiss due to improper service. The debt collector says they thought the process server “Saw” me but the judge disagreed based on the paperwork and scheduled a hearing on the matter. After this Wyoming collector mails me a copy …
Question: Dear Steve, you guys posted wrong information about our company . this link has to be removed immediately . additional information given to our attorney. https://getoutofdebt.org//112067/debt-recovery-pro-llc-cfpb-complaint Abdessatar Answer: Dear Abdessatar, The post you referenced came from the Consumer Financial Protection Bureau. It appears that Debt Recovery Pro has two complaints in its complaint database …
Question: Dear Steve, I have 6 negative CC balances on my credit report that are ” Charged off” what does that mean? What does the charge off mean? Bruce Answer: Dear Bruce, I love your question. It’s an issue that so many people don’t understand. A charge-off is an accounting function and this is almost …