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If you are paying a bill a little at a time because you dispute the charges can it be sent to a collection agency?
Wiki User
∙ 17y ago
The debtor can send you to collections if you don't pay what was arranged at the time of service. The BBB isn't helpful if the business you've complained about isn't a member of the BBB. All the BBB does is help mediate and possibly put your complaint in their record. What you want to do is complain to the Attorney General of your state, your case will go further. If the complaint involves illegal actions, the state could file charges. The best thing you can do is consult with a lawyer before ceasing to pay the debtor. If the bill is not fair, then you may be told to stop paying it altogether until the case is resolved. Some lawyers will give you a free consultation, some will charge a fee. Even a small fee could be helpful to your overall cause so I would advise it strongly.
Wiki User
∙ 17y ago
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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?
Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.
If you dispute a debt from a collection agency and send it with delivery confirmation does the 30 days start from the date they received the letter?
yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.
If a company is no longer operating what will happen if you dispute a charge off that is with a collection agency?
Whether the company is opertaing or not, does not make any difference. Proof of your account is still there.
What if a collection agency is trying to collect a debt that is in dispute?
Paying a collection agency may not be the best way to repair your credit or protect your privacy. There are situation that you may find your self in and have to pay a collection agency to to accomplish a short term goal such as buying or refinancing a home. If you are just in general collection agency hell then paying may do you more harm than good. While I would NEVER PAY A COLLECTION AGENCY. How you wish to handle your individual situation is a personal choice. If you do need to pay them off make sure you do it in a way to not cost you future heart ache and pain...
Can a collection agency file charges for a bad check?
Yes, generally the agency/business will give the person time to make good on the amount of the check. However, if the person who rendered the check knew there were insufficient funds or the account was invalid he or she might face criminal charges.
Can a collection agency file criminal charges for a bad check?
Can a collection agency file charges for a bad check
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.
Can NSF charges be sold to a collection agency?
Yes. And there can be, depending on what state you live in, criminal misdemeanor charges.
Can a credit collection agency threaten felony charges?
No it is a violation of the Fair Debt Collection Practices Act
Can a collection agency add charges and interest to an old debt in Wisconsin?
Of course.
If the collection agency amount is more than the creditor amount which amount do you legally have to pay?
A collection agency legally require the amount of the debt, plus any other charges/penalties incurred in the collection of the debt.
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?
Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.
If your original creditor was removed from your credit report can you dispute the collection agencies still showing the debt and have them removed also?
No, the original crditor was removed because the account was sold to a third party collector. The entry will remain on the report for the required 7 years from the DLA. You can dispute the collection agency entries as well. Often times if you have paid the debt, the collection agency will no longer keep records, thus be unable to prove the debt when you dispute it. They more than likely won't even respond, as they got their money and don't care anymore.
If you dispute a debt from a collection agency and send it with delivery confirmation does the 30 days start from the date they received the letter?
yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.
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.
Can a collection agencies add addtional charges to debt?
Yes.Collection agencies can add "administrative fees" and late-payment charges. It all depends on the agency of course...
What should you do if you get a letter from a collection agency and the amount of the debt is wrong?
The collection agency must give you thirty days to dispute any portion of the debt they claim you owe. You must send a written reply disputing the amount and any proof of your claim.
