Can you still negotiate with a collection agency when they are currently suing you?
Is there a way to avoid the high collections fee for a student loan that has just been sent to collections if you can pay off the full amount?
You can always negotiate a settlement with the collection agency. When calling the collection agency tell them you will pay the full amount of the debt but not the fees. Collection agencies never buy debt for the full amount so they always have room to negotiate. They will more than likely take the amount without fees because they are still making a profit.
If the collection agency didn't collect anything from you do you still owe the collection agency anything in the state of Wisconsin?
If a creditor uses a collection agency to collect on a debt do you still have to receive some kind of statement?
If you are making sporadic payments to a collection agency and they cash them can they still sue the cosigner?
Are your rights the same if your credit card debt went to a legal firm and not a collection agency or is a legal firm considered a collection agency?
If Company A sends your acct to a collection agency but you decide to pay off Company A do you still owe the collection agency money?
How do you remove a paid collection from your credit report if you paid even though disputed and did not agree with it and provided proof to original creditor who still sent you to a collection agency?
Is it better to pay original creditor who still owns account or debt collection agency who is collecting for original creditor?
Paying the collection agency will clear up your account much quicker and some creditors will return the payment to you if you send it directly to them. Most creditors sign a contract with a collection agency and cannot discuss the debt with the debtor once they place it with the agency, they must refer all correspondence, communications and payments to the agency for the life of that contract.
If you offer to pay a lessor amount on a hospital bill then was previously agreed upon can they still send the account to a collection agency?
If a debt has been paid to the original creditor and they recall it from their collection agency will a dispute succeed in having it removed from the credit report?
A collection that is removed from your credit report be gone off the report but the collection agency said you still owe on account?
Well, check your states statute of limitations. If the SOL is up then tell the company to stop contacting you are you will sue them for harassment based on the fact that they have no claim under your state's SOL. The collection agency will try to say you still "owe" and I guess you do if it is your debt but you no longer have any legal obligation to pay.
If you paid a collection agency in 2004 for a hospital bill you never received in 2000 in Florida and the hospital has resold the same debt to another collection agency in 2007 what can you do?
You get a letter from the paid collection agency and send it as proof of payment to the new agency. In the mean time, you call the new agency and dispute the claim of debt. If they receive the letter and still harrass you, then you have the right to sue and turn their neames over to the BBB. This is only if you paid in full. If you settled, then the next agency can…
Are you still liable for a balance that appears on a credit card that was charged off even if you paid the collection agency?
Charge offs' are when a creditor writes off a debt as a loss which usually take place 180 days after the initial missed payment or delinquency. Being as though the debt is still owed, the original creditor sells your debt for pennies on the dollar to a collection agency who tries to enforce collection of that debt which they now own or have been assigned. So to answer your question it can be paid anytime…
How can you remove a medical collection that is no longer listed with the collection agency but has been returned to the original creditor?
I assume this means removing it from the CR. In which case you can't. It may eventually be updated to show the original creditor has reassumed the account. However, it is still a debt owed and still reportable. If a collection account has "been returned" to the original creditor, then the collection agency would not be able to provide verfification of the debt should this be requested. You could write a letter of dispute to…
Actually I work for a collection agency. Yes, they can. If a debtor refuses payment, a collection agency will initiate legal proceedings. Step 1 is to get the judgment, this can be done at anytime within the statue of limitations. Then comes the lien and often a motion to garnish wages. There are only 5 states where you can't garnish wages for creditor debt: NC, SC, PA, FL, TX. Florida because of the head of…
If a company is no longer operating what will happen if you dispute a charge off that is with a collection agency?
If you had ID theft and the items were deleted from one credit bureau's file can a collection agency still call you?
Unfortunately, yes. As the lender took a loss on the account, it was probably not coded right when they did the loss--and even it they did, code it right-- the collection agency bought a bunch of accts for a few cents per dollar. Those accounts were not search thru to see if they should have been sold or not. You need to call the collection agency, ask for their fax number and tell them you…
If a debt listed on your credit report was sold from one collection agency to another and you paid the debt with the new agency can the old agency still be marked as a debt on your credit report?
If the old collection company is still showing the debt being owed, it can usually be taken care of by supplying to them evidence of the payoff of the debt with the other agency. Should that not work, order your credit report on line (from whichever bureau is reporting it) and then instigate an on-line dispute. You'll have to supply to them evidence the debt is paid and then they'll handle it from there. This…
You have the receipts of payment from a bill that a collection agency says you still owe what should you do?
If a client hires a collection agency but then cashes my payment can the collection agency still collect their fee?
Technically, yes if there is a signed contract between the agency and the creditor which expresses in detail the relationship in terms of file assigments. For example, many contracts agencies use clearly spell out the right of entitlement once the debt has been physically assigned. Thus, if in the above question, the debt was assigned to the agency, the agency has the right to ask for its commission cut. However, if the debt was not…
U.S., for a collection agency, they can call you until you tell them that they should never contact you again by phone. Legally, after you tell them to not call you again, they cannot. You may have tell them again a time or two, but in this country, your rights are your rights. They are still going to keep it on your credit report, and probably send bills in the mail.
A judgement is issued by a court. If the court found in your favour and the collection agency is still after you, you will need to get a copy of the Judgment and provide it to the debt collector. You should also complain to the BBB and the appropriate local government agency about the potentially illegal attempt at collection. If you mean the credit card company or other lender wrote it down and did not…
Can a credit card company still send you monthly bills and charge you finance charges on your account if they sent it to a collection agency?
If the bank does a charge off for a vehicle because they can not locate it can it still be repossessed later by a collection agency?
Answer yes, if you are still in possesion of the vehicle and you have not paid, they will re-po the vehicle. Answer So can you still make the payments to the bank? In order to get out of repossion status? Answer Yes, a collection agency or other second/third party owns the note and they can pursue reposesion efforts. To answer the question aboove; It depends on the bank if they will allow payment arrangements. I…
Can An Account that has been sent or sold to A collections agency still be considered an open account?
If you have an account that went to a collection agency however you paid it in full how long does it take for that collection account to be removed from your credit report?
First and foremost, you need to find out who owns the debt. Call up the bank and tell them that you would like to make payment arrangements. If they still own the debt, you will be transferred to someone who will be able to help you. If the bank sold the debt to a collection agency, they should be able to give you their contact info. Call the collection agency and set up payment arrangements…
The statue of limitations for collecting a debt varies from state to state, but it usually corresponds with the credit reporting rules which is 7 to 10 years. Collection agencies find ways around this though by reselling the account to other collection agencies, thus reaging it and starting the SOL over.