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Credit and Debit Cards
Student Loans and Financial Aid
Does a Creditor have to notify you if you are being sent to collections?
Asked in Repossession, Credit Reports, Debt Collection
What if your bill is sent to collections before it is due?
It is unusual for a creditor to send a bill for collections before 30 days past due. If however this happens, your best bet is to contact the original creditor and notify them that you refuse to deal with the collection agency they have hired, that you are requesting a full reconcilliation of your account and the charges, and upon receipt of this you will again contact them to arrange payment. Additionally, request that the creditor call the debt back from the collection agency. It may be necessary for you to notify each party in writing to get collections to stop. Once you have done so, however, be certain to notify the original creditor that they must remove any reference of bad debt from your credit report. Collection law is not difficult to understand, but it can be a bit cumbersome to wade through. Most collection laws fall under the Federal Fair Debt collections Practices Act and the Gramm-Leach-Bliley Act. Each state additionally has Fair Debt Collections laws. See the links below for the FDCPA and Gramm-Leach-Bliley. The state laws are too many and varied to list, but are not difficult to find on line for each state.
Can you go to small claims court if your bill has been sent to collections?
Asked in Credit Reports
What is the requirement of the company before they can send your obligation to a credit service company who attempts to collect the debt?
The creditor has no obligation to inform the debtor that the debt is being sent to collections, although they generally will attempt to resolve the matter before taking such action. The exception is the repossession of vehicles which in a few US states require the lender to notify the borrower at least 10 days before taking any action.
What is the difference between pre-charge off and post-charge off accounts?
A pre-charge off is when the creditor is giving the debtor notice that the account is in default and will be sent to collections if a payment agreement is not made by a specified date. Post-charge off is when the account has been sent to collections, sold to a third party creditor or referred to a legal firm for further action.
Who must the president notify when sending troops into battle?
Asked in Debt Collection
Can your unpaid bills be sent to collections if you are making an attempt to pay them?
Asked in Debt Collection
What if a medical provider accepted payment for a service that was less than it billed but did not bill you for the existing balance just sent you to collections without notifying you?
Asked in US Constitution
By law Who must the President notify when troops are sent to battle?
Asked in Cars & Vehicles, Repossession
Is it typical for the bank not to notify you of repossession?
They would normally send you statements reminding you that your balance is past due, and the vehicle could be repossessed if the matter isn't settled. The creditor normally won't inform you of when the order for repossession actually is sent out, and you won't normally be informed that your vehicle is being repossessed until the repo man shows up to claim it.
Asked in Law & Legal Issues
Can an account be sent to collections if you are making monthly payments?
If the payments are not suitable in size to the creditor, then yes. This commonly happens with medical bills. Hospitals and clinics are not required to extend the courtesy of credit to anyone. Payment in full tends to be the policy. If you owe thousands and are only paying a small amount (like 50 every month) they will send it to collections.
Can you be sent to collections if you make a payment every month?
Asked in Repossession
What happens to a vehicle when a balance of 447.00 is left owed on it and it is being sent to recovery service for collections will they work with you on the remaining balance?
Asked in Credit Reports
Is there an effect on your credit score if your break a rental lease?
If a bill has been sent to collections is it better to pay the creditor the full amount or pay the collection agency?
Answer Once the account has been placed with a collection agency, it usually doesn't matter who you pay. Sometimes the bank will accept your $$, other times, they will refer you to the CA (agency). If the agency treated you in an abusive matter, then by all means report the behavior to the creditor and pay them dirrectly. A sympathetic ear in their office can get you a really good deal on settling. It matters, pay the creditor.
How do you know if your wages are going to be garnished?
Asked in Farmville
How do you get collections on farmville?
To get items from the collections there are clues (when you go to collections and roll over the items) which hint where you can find them, e.g. you get muddy when .... which means plowing it will pop up sayin --- was found. Also when harvesting chickens etc.... also they can be sent as gift from friends.
Asked in Latin to English, English to Latin
Latin word for sent?
The verb "to send" is mittere. The English word "sent" could be translated by one of these perfect tense forms: I sent - misi you (singular) sent - misisti he/she/it sent - misit we sent - misimus you (plural) sent - misistis they sent - miserunt or misere Or it could be a past participle meaning "which has been sent", in which case it can be translated by the Latin participle missus, -a, -um. Or it could be part of the English passive voice, "was sent/has been sent/is being sent/will be sent" and so on, in which case it is to be translated by a Latin passive. There are too many forms to list here, but the present tense is: I am being sent: mittor you (singular) are being sent: mitteris he/she/it is being sent: mittitur we are being sent: mittimur you (plural) are being sent: mittimini they are being sent: mittuntur
Asked in Death Certificates
How do you obtain a death certificate of a relative?
What should you do when a medical bill is sent to collection even though the payment was being sent in?
Answer If the question relates to a payment not being credited to the person's account then documentation, such as cancelled checks, money order, etc. should be rendered to the provider as proof. If the question relates to a medical provider sending an account to collections even though payment was being made, it is within the legal right of the provider to do so.
Asked in Debt and Bankruptcy
If you're paying a med debt every month miss 1 month but send them the money you would have paid can they just send it to collections even though you already told them that you'll continue to pay?
Asked in Planet Venus
What probes have been sent to venus or are planned to be sent?
Asked in Adjectives and Articles, Verbs, Nouns
Is notify a verb adjective or a noun?
The word 'notify' is a verb: notify, notifies, notifying, notified. example: We will notify you when the item is received. The adjective forms are the present participle of the verb, notifying, and the past participle of the verb, notified. example: A notifying letter was sent out to all tenants. The noun forms are notifier, notification, and the gerund, notifying. example: We received the notification of acceptance.
Can a debt be erased if a phone company cannot find your information in their system and says the debt is in collections but collections say they sent it back to the original company?
Asked in Medical Insurance
Can an eighteen year old be sent to collections for medical bills if they are still insured under the parents?
Do unpaid medical bills sent to collections ever go away without payment?
The non payment of any debt can result in a civil suit by the creditor. However, all U.S. states have SOL's which determine when a creditor can no longer pursue the debt through legal procedures. Please be advised, when the SOL applies it is the debtor's responsibility to bring forth that reason as a defense. Likewise, a creditor/collector can still pursue collection even after the expiration of an SOL by the usual methods, phone calls, letters and so forth. Even so, the debtor has the recourse to send the creditor/collector a letter of "cease and desist" which prevents future debt collection contact. If such a letter is rendered the creditor/collector must cease all contact with the debtor unless/until a civil suit is filed.