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Answered 2007-04-13 17:43:05

One year. Then, after it goes to a collection agency.. it is like a bunch of frenzied sharks..who will harrass you for decades! One place I would like to send you. I found out a couple of things in an ebook. It is "Beat the Collector" by Jack Tories. I made a few calls to verify the information and found it to be correct. I am now going to give the collection agency a dose of their own medicine!

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Can a collection agency charge you with credit card fraud?

No.


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Can an unpaid ambulance bill hurt your credit?

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You gave a company your credit card as proof of id and they took money without permission?

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.


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Where do you pay collection accounts that are reported on your credit report when the company is out of business or no longer handles the account that was reported for collection?

You pay the collection agency.


How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?

File a dispute with the credit reporting agency.


How many times and how often can a collection agency post an account to your credit report as a charge off?

A collection agency cannot charge-off an already charged-off account. The reporting of the STATUS of the account AS a charge-off can be reported every time they update with the credit bureaus. The 'date of status' must be the date of the ORIGINAL charge-off.


Should payment be sent to the credit card company or the collection agency?

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.


If you settle an old credit card debt with a collection agency paying the negotiated price in full will the collection agency remove the collection from your credit report?

No the collection will not be removed from the credit report. They will show it paid in full.


Can a collection agency report and collect a debt that is shown as a charge off from another creditor?

Yes. When creditors charge off accounts they send them (or sell) to a collection agency. The collector can request the debtor's credit report show that the account has been turned over for collection procedures.


Can a debt be listed on your credit report by the collection agency as two separate entries with one as a charge off and the other as a collection fee?

Yes, the charge off is entered by the original creditor, and the collection fee is a separate debt.


If a credit card does a charge-off and sends it to a collection agency can the original creditor still try to collect?

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Can a collection agency sue you for a charged off credit card?

Yes, the term "charge off" does not indicate that the debt is uncollectible.


Can a credit card company garnish wages in the state of Oregon?

Can a collection agency garnish wages in the state of Oregon?


How many times can a collection agency inquire on your credit report?

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Can a collection agency in America collect monies outside the jurisdiction for small amounts -such as the annual maintenance fees on a timeshare?

a collection agency can collect where ever they need to. they purchased the debt from the timeshare company (to use your example). what i don't know is if they can impact your credit if for instance you were in the US and the collection agency or timeshare company is out of the country.


What is the difference between charge off and collection?

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How can you mend your credit after a paid collection?

Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.


What does a collection agency do to your credit?

They don't do anything. Failure to pay bills causes credit to be reported badly and your credit score to go down. All a collection agency does is go after you for the money.


How does a company report someone to the credit bureau?

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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.


Can the original creditor charge the debtor for the collection agency fee?

The original creditor can charge the debtor for all fees associated with collection as well as interest. Credit card companies will usually negotiate with you for lowered debt.