NO! They received money for selling the debt and don't care if it ever gets collected. The money only goes to the collections company that is why they bought it. Also, you can't be sued by the collection agency if they don't allow you to resolve the issue in a legal manner set out by the FTC and Fair Debt Collection Practices Act. They have to give you the chance to prove you don't owe the debt or it is the wrong amount or whatever before you can be sued. They can't issue warrants for your arrest. They can't charge you interest. They can't threaten you. They can't pretend the company you originally owed the money to is involved in collecting the debt. They can't harrass you. Complain to the FTC.gov if they are.
No. Once it is sent to a collection agency the company has closed the credit card.
If you have a collection agency working for the credit card company then it is them you need to make payments too as it is now too late to pay the credit card company. They have sold the debt to the collection company and you will have to pay any charges on top of the debt now also. Try not to let it get that far in future, but that's easier said than done.
yes
No. Court is a must
Yes, but neither a collection agency nor the original creditor has any legal obligation to communicate or accept the terms offered by a debt consolidation agency.
No. Once it is sent to a collection agency the company has closed the credit card.
If you have a collection agency working for the credit card company then it is them you need to make payments too as it is now too late to pay the credit card company. They have sold the debt to the collection company and you will have to pay any charges on top of the debt now also. Try not to let it get that far in future, but that's easier said than done.
My guess is that company was a collection agency? Never give anyone your bank info, or credit card info. If the company was a legitimate company you were doing business with and you did not authorize payment dispute the charge with your credit card company.
No the collection will not be removed from the credit report. They will show it paid in full.
The statute of limitations starts counting immediately when you made the last payment to either the credit card company or the collection agency. If you ever make a payment to either of them the statute of limitations will start over. If you have not made any payments to the credit card company recently and the credit card company sells the debt to the collection agency, the collection agency's statute of limitations will be from the date that you last paid the credit card company. Furthermore, if the statute of limitations is over and the collection agency continues to keep collecting the debt, you can send them a letter (certified is the preferred method) to stop all contact with you. Under the Fair Credit Reporting Act (FCRA), they would be required to stop immediately upon receipt of the letter (unless they are taking legal action in a court then they can send you legal notices only). If they do not stop, you are entitled to collect monetary damages as outlined in the FRCA. This does not stop the collection agency from reporting to your credit report. Your credit reporting falls under a different set of rules which basically removes most collections debts (except for court judgements) after 7-10 years.
Yes
yes
Only if you get an agreement from them in writing. How could the collection agency have any affect on the original credit card issuer? You are dealing with two completely different accounts, one for the credit card and the other that was purchased as a bad debt. They cross reference each other on your credit report, but otherwise are unrelated.
Jurisdiction in a credit card lawsuit typically depends on where the contract was formed (Florida in this case) and where the debtor (you) resides (South Carolina). However, laws can vary, so it's best to consult with a legal professional.
If his name is not on the card,(He did not sign for the card) Then NO! And credit cards are unsecured loans.
How much can a credit card collector do with a lien on your property in Fl
Yes.