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How do you report a debt collection company that is harassing you for a debt you dont owe?
Wiki User
∙ 15y ago
Contact the State Division of Banking in the state the company is located in.
Wiki User
∙ 15y ago
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What happens if a collection company does not validate the debt?
If they are unable to show proof that you are connected to the debt and have no documentation, then they by law have to remove it from your credit report.
Can a company report to numerous collection agencies to collect a debt?
Contact the Federal Trade Commission they can help you with this problem.
How can a debt collection company know where you work?
Normally by pulling your credit report. Sometimes by speaking to family members and neighbors.
What does it mean when your credit report states that you have a paid closed collection account on you credit report?
The original account with a normal credit company went to a third party collection agency. Only after it went to the collection agency was the debt paid and then the account closed.
If a second collection agency takes over a unpaid debt can they have that collection put on your report?
Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.
If you have old debt from another country and a collection agency in the US is trying to collect can they report the debt on your US credit report?
It is possible.
You were an authorized user on your mothers account not a card holder and after her bankruptcy a collection agency is harassing you?
If you are an authorized user then it is not your debt but your mother's debt. Your mother's bankruptcy discharged (wiped out) the debt in question. The collection agency is not allowed to collect from you as, again, it is not your debt. This would not be the case if you were a joint debtor with your mother.
How do you pay credit card charge-offs?
I am a professional debt collector and would say the best answer would be to either contact your credit card company and see to whom they sold the debt, as they no longer own the debt and therefore can not help you rectify the situation. The other option would be to pull a credit report on yourself and check to see if the collection agency is on your report, or if there was an inquiry on your report from a collection agency.
If a charge off has just come off your credit report can a collection agency or debt collector put it back?
NO! Once a debt has reached it's statute of limitation it must be removed from your credit report. If a collection company reports the bedt with a new date dispute it immediatly because what they are doing is illegal.
If you are trying to clear up your debt do you pay the collection agency or the original business you owe to and have them try to buy back your debt?
Your main consideration is that your credit report should be at its most favorable. Therefore, whomever you contact, make sure you get in writing that you will pay the debt and, in exchange, you expect the debt to be removed from your report, or at least that the debt should be converted to "good." Usually, once the collection agency is involved, the original company will not deal with you. This is because they now have a contract with the collection agency, who will get a portion of the collected debt. Capish?
Who is Cavalry Portfolio Services?
A debt collection company.
Can a collection agency garnish wages for a debt for repossession after 9 years?
They are pushing your buttons. The original company has probably written the debt off and it is possibly off of your credit report. Do not pay them one red cent, or they will be able to resurrect the debt.
