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If you owe a telephone bill and are just paying it off little at a time can they send it to a collection agency and go against your credit history?
Wiki User
∙ 14y ago
Yes they can, the original creditor can send it to a collection agency the moment you are considered late by the contract terms or agreement you have with them. Yes a collection agency can report it to the CRA's only if they 1. Notify you in writing and advise you that they are attempting to collect the debt and that you have 30 days to dispute the validity of the debt. (Your Mini Miranda Rights) 2. If you request in writing that they validate the debt which they must do according to your federal rights. But sometimes because so many people aren't aware of there rights the CA's take advantage of consumers and almost always break the law when collecting debts from unsuspecting consumers who have no knowledge of these rights.
Wiki User
∙ 14y ago
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What is the telephone number for AFNI Collection agency?
1-888-216-2408
Can collection agency garnish from your check a week in Arizona?
A collection agency cannot call your employer to garish your wages. In order for your wages to be garnished, you must be sued by the collection agency. And the agency must win a judgment against you.
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.
What is collection agency?
A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.
Do you know of any lawsuits against collection agency re improper use of PHI?
no
Can a collection agency falsley claim to have a judgment against you?
No. A collection agency may not legally make any false claims. However, they may have obtained a judgement by default if you failed to answer a summons.
If a collection agency repossesses something they had no legitimate claim to what legal recourse do you have against the company?
sue them for "conversion".
Lien against spouse not on title?
Can a collection agency place a lien on a home belonging to a spouse not on title?
If you get sued by a collection agency and own nothing what can they take from you?
wage garnishment, file a lien against you, etc.
What is a Derogatory public record or collection?
== == A Deragatory record is an account that has had a history of late payments. A collection account is an account that was not paid on time or at all, and was closed by the creditor and sold to a collection agency.
Can a collection agency freeze your bank account in NY?
If you are sued, then yes. First, the collection agency must try to collect from you. Then they can sue you if you don't pay. If they win, the judge can issue a judgment against you. And that is how they can freeze your bank account.
How are work commercial collection agency?
The commercial collection agency is used in debt collection in the event a debtor fails to.
