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Tag Archives: debt collector

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” The Answer Dear John, There are a number of issues here. The first is if the collection ... Read More »

    Portfolio Recovery Associates Sued My Wife on Disability. – Frank

    closeup of a gavel on cash, from above

    “Dear Steve, My wife and I both became disabled and she had to go on Social Security Disability in 2008 and I had to go on Retirement/Disability from the US Department of Defense Civil Service in 2004. Needless to say our incomes dropped substantially and we could no longer afford our credit card debts. My wife received a letter from ... Read More »

      My Elderly Neighbor is Getting Debited by a Debt Collection Company. – Ann

      Elder Care

      “Dear Steve, I am helping a 78 year old neighbor with diminished capacity get settled into an extended-care facility, and noticed that there is an amount of $99.02 starting to come out of her bank account paid to a JJD Collections LLC in California. Her social security is $675 a month, and her section 8 rent amount is $515.15, and ... Read More »

        Old Payday Loan People Are Threatening to Turn Me Over to Local Authorities. – Shemeka

        angry caller

        “Dear Steve, Over 5years ago I took out went to a check cashing place n got a pay day loan n forgot about it so i didnt pay them off now about 2months ago a collection agency has been calling for repayment of check for about 520.00 and on top of that lawyer and court fees. I’ve asked them to ... Read More »

          How to Deal With Debt Collectors or Debt Buyers

          How-To

          This guide will give you some fabulous resources for dealing with debt collectors, debt collection, and debt buyers. There are two ways to approach being in collections. Most approach it with fear and stress. A few learn how to deal with it in the right way, with education and a positive attitude. A positive attitude? Yes. You see the debt ... Read More »

            A Lawyer Office Says They Will Garnish My Wages and Take My Tax Return If I Don’t Pay By Tomorrow. – Annette

            angry caller

            “Dear Steve, Someone called from a lawyers office claiming i have credit card debt from 2004, they said that is when my last payment was. Now they are threatening if i dont make an arrangement by tomorrow morning that the guy is coming to collect my paperwork and turn it in to the IRS with a 1099C and they can ... Read More »

              I’m a Client of a Debt Settlement Company in Canada But Debt Collectors Are Still Calling Me. – John

              “Dear Steve, Debt settlement company in Canada send a power of attorney via fax to a collection agency, and I am still receiving phone calls as they stated that the debt settlement company is not a lawyer If you hire a debt settlement company in Canada and they forward a power of attorney to the collection agency, does that agency ... Read More »

                UK Doorstep Debt Collector Dragged to Car and Robbed at Knife Point

                Screen Shot 2012-10-21 at 3.46.03 PM

                Last week a UK door-to-door debt collector was targeted and robbed with a knife held to her side. The Manchester Evening News is reporting the woman had just left a house and was on the way back to her car in Duchess Street in Shaw at about 8pm on Friday October 12 when she was confronted by a man who ... Read More »

                  How to Best Deal With Aggressive Debt Collectors

                  bigstock-Debt-3150433

                  In today’s world, the term “aggressive” has positive connotations. When hiring an attorney, for example, no one would want a passive advocate for their claims. People want an aggressive lawyer. Similarly, in business, companies want aggressive salespeople; and sport teams want aggressive players. No wonder, I often have clients that try to excuse away egregious debt collector behavior on the ... Read More »

                    Negotiating a Debt Settlement With a Debt Collector

                    Ready to Collapse

                    Are you in collection and want to negotiate with the debt collector to settle your debt for less than you owe? This video will show you how to do it with great advice from my friends, Gerri Detweiler and Michael Bovee. We talk about the best time to settle a debt with a debt collector and how much to expect ... Read More »

                      There are Good Debt Collectors and Then There Are Debt Collectors That Lie, Cheat, Steal, and Threaten

                      Ready to Collapse

                      A reader brought the following article to my attention, America’s Abusive Debt Collectors on the DailyBeast.com. It is an interesting look into some of the bad collection outfits by Gary Rivlin. Gary includes first-person accounts of some of the actions they were asked or required to do to keep their jobs as collectors. These bad acts included everything you wished ... Read More »

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

                        Ready to Collapse

                        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 »

                          DEBT COLLECTOR BLUNDERS? GET A RECORDING!

                          Ready to Collapse

                          This post was submitted by Adam S. Alexander, Attorney At Law, 17200 W. Ten Mile Rd., Ste. 200, Southfield, MI 48075. You can reach him directly at www.myfaircreditsite.com or (248) 246-6353. Before you implement the suggestions in this article, check to make sure it is legal to record calls in your state. Millions of Americans are constantly being called by ... Read More »

                            Debt Collectors Want Some Respect

                            collector

                            Debt collectors are tired of being treated poorly. The constant epithets, name calling, profanity receiver are calling out for some compassion in a New York Times article recently. Mark Neeb, the association’s incoming president, says that most debt collectors are the “salt of the earth” and are tired of being defined by the worst members of their profession. And it ... Read More »

                              I Left My High School Sweetheart and Now My Credit is Trashed. – Christine

                              Ready to Collapse

                              I left my high school sweethart four years ago which put me in my own apartment. I had a great job at the time and got laid off about one year later.. I have about six credit cards which are all in collections after the past two years. I do work full time but i don’t make even half of ... Read More »

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