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If the payment amount and other terms that were agreed upon are being met, it would not be in the best interest of the creditor to place the account in collection status. However, if there is a significant arrearage or the terms of the agreement are not being honored, the creditor may take such action in order to change the account status for taxation issues and other purposes.

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โˆ™ 2006-01-21 16:36:06
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Q: If you are paying the hospital can they still turn you over to a collection agency?
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Do you still need to pay a company if you are paying a collection agency for the charged off debt?

No, as they are the legal agent of the original Creditor and the arrangements made with the collection agency are binding on the original Creditor.


If you paid a collection agency in 2004 for a hospital bill you never received in 2000 in Florida and the hospital has resold the same debt to another collection agency in 2007 what can you do?

You get a letter from the paid collection agency and send it as proof of payment to the new agency. In the mean time, you call the new agency and dispute the claim of debt. If they receive the letter and still harrass you, then you have the right to sue and turn their neames over to the BBB. This is only if you paid in full. If you settled, then the next agency can try to get the unpaid amount. Remember, there is a 4 year period on medical bills. After that, they can't collect, unless the hospital revitalized your account.


If you offer to pay a lessor amount on a hospital bill then was previously agreed upon can they still send the account to a collection agency?

Yes. You have a legal contract to pay the agreed upon amount. If they did not accept your latest offer, they can send the bill to a collection agency.


Is it better to pay original creditor who still owns account or debt collection agency who is collecting for original creditor?

Paying the collection agency will clear up your account much quicker and some creditors will return the payment to you if you send it directly to them. Most creditors sign a contract with a collection agency and cannot discuss the debt with the debtor once they place it with the agency, they must refer all correspondence, communications and payments to the agency for the life of that contract.


You owe 690.00 to a food vendor should you pay a collection agency?

No pay the vendor. If you pay the collection agency they will extract a fee from the payment and you will still owe the vendor


If the collection agency didn't collect anything from you do you still owe the collection agency anything in the state of Wisconsin?

Of course. If it's an unpaid debt, the collection agency owning the debt may try to collect it. And beware, they can track you down no matter what. However, they have to abide by certain rules, which are defined in the Fair Debt Collection Act.


If you are making sporadic payments to a collection agency and they cash them can they still sue the cosigner?

Unless you have a specific repayment plan that the collection agency agreed to, there is no legal reason that cannot sue the cosigner.


If a creditor uses a collection agency to collect on a debt do you still have to receive some kind of statement?

No. The collection agency will validate the amount for you if need be, but the creditor no longer owes you the courtesy of a statement.


Are your rights the same if your credit card debt went to a legal firm and not a collection agency or is a legal firm considered a collection agency?

Yes, a collections law firm, is still defined under the FDCPA as a collector. They are required to follow the same regulations that apply to a regular collection agency.


If Company A sends your acct to a collection agency but you decide to pay off Company A do you still owe the collection agency money?

Nope. Advise the collection agencey that this was settled with the original creditor. You may have to provide them with a copy of a canceled check or money order. You can also have the creditor call the agency. Some will, some won't.


How do you remove a paid collection from your credit report if you paid even though disputed and did not agree with it and provided proof to original creditor who still sent you to a collection agency?

Don't let a collection agency push you around. As a consumer you have many rights. The best places for anyone to exercise their rights are in small claims courts. For less than $100 you can bring a collection agency to their knees.


If a collection agency goes bankrupt how does someone find out who owns the debt?

Even if the collection company goes bankrupt, you still owe the bank whatever money you borrowed from them. The bank hires the collection company to get that money, so you still owe them


What happens if a person lives out of country and is being sued by collection agency Does collection still get default judgment even if he didn't get the court apparence letter?

Yes


Can a collection agency still add interest to a charge off?

Yes, as well as any subsequent legal fees.


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

yes


You paid off your car debt and the collection agency still has not sent your title?

Sue them for wilful noncompliance and harassment.


How do you start paying monthly on a charged off account with a bank?

First and foremost, you need to find out who owns the debt. Call up the bank and tell them that you would like to make payment arrangements. If they still own the debt, you will be transferred to someone who will be able to help you. If the bank sold the debt to a collection agency, they should be able to give you their contact info. Call the collection agency and set up payment arrangements with them.


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.


A collection that is removed from your credit report be gone off the report but the collection agency said you still owe on account?

Well, check your states statute of limitations. If the SOL is up then tell the company to stop contacting you are you will sue them for harassment based on the fact that they have no claim under your state's SOL. The collection agency will try to say you still "owe" and I guess you do if it is your debt but you no longer have any legal obligation to pay.


How many years can a collection agency still pull your credit report?

A collection agency can't access a credit report w/o the permission of the party involved. They may try to mislead someone into believing they are able to do so, and that is a violation of the FDCPA and should be reported as such.


If a company has a past due account under a certain amount will they still send it to a collection agency?

It all depends on the amount owed and the company owed to.


If a man dies you owe money to can the collection agency still collect?

When that person died, his assets became part of his estate. The debt you owed him became one of those assets. The legal representative of his estate has an obligation to collect the debt from you and has the full legal power to do so, either directly or through a collection agency.


Are you still liable for a balance that appears on a credit card that was charged off even if you paid the collection agency?

No. You can take the paperwork with the collection and send a certified copy to all 3 credit bur., and it will or should be taken off.


Can you still talk to the credit card company directly for paying off an unpaid debt or do you have to talk to the debt collection company?

Once the debt. has been charged off and sold to a outside collection source you must talk to them.


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.

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