your disability can not be touched, if this is the only income you have!
Yes.
If the debt was sold to a collection agency and the original creditor accepted payment AFTER the debt was sold, the money does not belong to them. If, however, you paid the debt and it was mistakingly sol after that payment, the collection agency can't try to collect. If you have proof of payment, forward it to the collection agency and deman in writing that they cease trying to collect this debt.
If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.
No pay the vendor. If you pay the collection agency they will extract a fee from the payment and you will still owe the vendor
Have the collection agency send a written agreement accepting the settlement or payment amount agreed upon BEFORE rendering any payment(s).
well if you can eat 20 pizza pies the hell no
No! The only obligation of the collection agency regarding a debt is to accurately report the debt...i.e. balance outstanding, current status, and payment history. However, if you are paying or contemplating paying a collection agency, it would be wise to negotiate a positive outcome...i.e. the total removal of the account from your credit profile in exchange for payment. This should be negotiated prior to paying the collection agency and the agreement should be in writing.
if collection agency is not from your lender, but third party, then you need to fax them proof of your payments to your lender or financial insitution and have them send you a letter stating that they will not report you to credit bureau. and also have them contact the collection agency you are making payments. asian623 http://www.myspace.com/scionturboracing
Only if it goes to a collection agency.
with out a doubt. you would want them to update your CRA.
No. The collection agency will validate the amount for you if need be, but the creditor no longer owes you the courtesy of a statement.
If the bill collector refused the payment, you can inform them that you made the payment to the original company and request that they update your account accordingly. Keep documentation of the payment made to the original company in case any disputes arise. It's important to communicate clearly with both parties to ensure your payment is properly accounted for and reflected in your records.