When a consumer receives a notice from a collection agency requesting payment of a debt, the consumer should always present to the agency a written request for confirmation of the debt owed.
An approach to find Collection Agencies in the city of New York, is find them through Collection Industry Member list. Like; CLLA, ACA International, etc.
You can find a list of all the collection agencies in Nevada at www.nationalmanagement.net/collection_agency_states. Another good site is www.resourcesforattorneys.com/collectionagency/nvad.html
To access to bank account as such, no. But if the debtor agrees to have ACH for payments, then the creditor or collection agencies can withdraw funds, or depending on the state laws a Judge can authorize to garnish wages from the bank. Find laws that apply to the debt in the resources box
An easy way to find out what collection agencies you owe money to is by pulling your credit report. Credit reports will list balances with all creditors as well as if any balances were turned over to collection agencies.
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.
Collection agencies buy defaulted accounts from original creditors. The original creditor supplies all the information to the collectors that was obtained upon the opening of the account. (Name, SSN, place of employment, etc.).
Whenever I am helping a client with a collection agency, the first thing I do is try to contact the state agency that licenses collection agencies. I also try searching on Google and that usually works.
The easiest way to find out if you are in a debt collection process is when a debt recovery agency contact you or the creditor some times handle debt collection inhouse. Usually collection agencies send a demand letter but that depends after the creditor turn to collections their receivables
You can get free copies of your credit reports once a year and check them to see what accounts have been placed with collection agencies. You can contact those creditors for the agency information. The debtor need not be concerned about such matters as it is a certainty that the collector/creditor will be in contact with them in one manner or another.
The collection agency is required to inform the debtor that the account is now under their jurisdiction.
There's no market for such accounts. Buying or selling a Toontown account is against Disney's Terms of Service, and the buyer might find the account suspended shortly after using it.
Ask the collection agencies. They have to reveal who the debt was incurred through, The real question is why are there TWO agencies collecting the same debt? Be sure that there aren't two separate amounts owed to the original creditor.