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If you send a certified letter to a collection agency and they refuse letter what do you do next?
Wiki User
∙ 11y ago
go shoot his ass
LOL
Wiki User
∙ 11y ago
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Can a collection agency refuse a payment?
Q1) "If I offer to make a payment on this debt can they legally refuse it?" Yes. They are under NO obligation to accept anything less than the original agreed amount. Simply, this means that you originally had a payment plan and breached it. They do not have to accept any other offered plan (or payments). Q2) "I have heard that if a creditor refuses any type of payment on a debt that it was automatically considered paid in full. Is this true?" NO!! NO!! NO!! That is an old 'wives tail' that probably derived from the requirement that payments must be in 'legal tender' and if refused, the debt MIGHT be found as waived. For example, you can pay this debt (in full) in pennies, nickles, dimes, dollars, etc. If the creditor refuses these legal tenders, the debt MIGHT be found to be waived. However, the creditor is NOT obligated to accept less than the full amount, nor in non-legal tender (horses, hogs, chickens, etc.). ....more about it you can visit: http://lawvolunteers.com/law/838/42838-c-collection-agency-refuse-payment.html
Can a collection agency refuse to accept rolled coins as part of a payment?
Yes. Oddly-enough, there is NO U.S. Federal law that mandates a person, organization or merchant (which would include a retailer or collection agency) accept coins (rolled or otherwise), as payment for goods and services, even though coins are considered 'legal tender' as stated in the Coinage Act of 1965.How is this possible?Simple. Though it seems strange, the dollars and coins struck and printed by the U.S. Treasury are for the FEDERAL RESERVE SYSTEM. The Federal Reserve System MUST HONOR US currency and coins...however, not necessarily anyone else. Link to U.S. Treasury FAQ's: http://www.ustreas.gov/education/faq/currency/legal-tender.html#q1 = Yes, I would think so. You are better off sending a money order (keep your receipt) or a certified check.If you pay by mail they can refuse cash payments (doesn't matter if it's coins or bills) but if it is in person they must take the coins, but you would probably have to unwrap them so that they can count them while you stand there----just another one of their stupid power trips.Creditors or collectors can refuse any amount or manner of payment that has not been agreed upon in an original lending contract or collection agreement. This includes personal checks, checks by a third party, methods such as the one cited and so forth.
Is it true that in some minor cases collection agencies will sometimes remove a collection from your record?
No. If it is a valid debt it will only be removed if paid in full or the SOL expires. Credit reporting is a totatlly voluntary activity. There is no federal or state law that compels or requires it. So a collection agency could, if they chose to, remove everything reported against consumers. It is always worth a try. If they refuse, what have you lost by asking? A more efficient method of having collection accounts removed is to dispute them with the credit bureaus. The Fair Credit Reporting Act states that any item disputed that cannot be verified within a 30-day period must be shielded from view. If a collection agency is no longer is business, the account was sold/transferred to another agency, or simply doesn't respond in time; the account will be "removed" from your credit report. The technique is slightly different, but the result would be the same. You can accomplish this by obtaining credit reports from all three major repositories: Equifax, Experian and TransUnion. In those reports are reference numbers and instructions for disputing information.
How do you get bankruptcy off credit report?
Wait 10 years from the date of the bankruptcy filing (some bankruptcy courts have ruled that the time is from the date of discharge, usually less than 6 months from the date of filing). If the bankruptcy has not been removed from a credit report, go to the credit reporting bureau website and complete the form asking for the error (not removing the bankruptcy listing) to be corrected. If that doesn't work, either get a lawyer or send the bureau a certified letter, return receipt requested, asking them to remove it. You may want to send the same letter by ordinary mail, just in case they refuse to accept the certified letter.
If an agency is trying to collect an item that fell off your credit report after 7 years will it go back on your report if you refuse to pay?
It MAY. The practice of re-inserting derogatory information, like collection accounts, onto consumer's credit files is one of the reasons the Fair Credit Reporting Act was amended last year. That amendment, the Fair and Accurate Credit Transactions Act (FACT) set firm rules for establishing the DLA (date of last activity) on accounts. This date establishes when the 7-year clock begins ticking. Technically, FACT only applies to accounts that were generated after December 1977. But if a sleazy collection agency attempted to re-insert a collection account past its statute of limitations; a consumer would certainly have grounds upon which to dispute that listing. Gather your evidence and assume that it will show up on your credit report. Fore-warned is fore-armed.
Can a collection agency sue if you do not refuse to pay?
If you are not refusing to pay and you pay the debt, they would have no reason to sue you. If you refuse to pay a valid debt, they may advise their client to sue you depending on what state you are in and what the laws are there. Some states only allow original creditors to sue and not the collection agency.
Can collection agencies take you to the court?
Absolutely they can ! The only reason a person needs to deal with a collection agency, is because they defaulted on payments to the original company. That company passed the account to a debt-recovery agency, who paid the sum YOU owe to the original company. If you simply refuse to pay the collection agency, they have the legal right to take you to court to recover the debt !
Can a debt collector leave numerous phone messages but never send the initial collection letter in the mail?
Absolutely. However, if you want the calls to stop, all you have to do is send a letter to the collection agency requesting only written correspondence. This has to be done in writing and the agencies have to abide by the request. If they refuse to give you an address to which you can send the letter, you can report them under the Fair Debt Collection act. They can, but if you tell them not to call you anymore they have to stop calling you.
Is it okay to tell collection agencies person they are calling for is in prison?
You do not have to give a collection agency any information at all. You are perfectly in you right to refuse to give them information. However, deliberately giving them false information is fraud.
If you refuse to pay a doctor referred by a 'if we do not win you do not pay' lawyer who took a car accident case will it hurt your credit?
Is the doctor going to turn the account over to a collection agency? A collection account would hurt your credit. Is the collection agency going to sell the account to another agency, thus extending the time period it shows on your credit report? If they do, it could hurt your credit for an even longer period of time.
What has the author Kim M Kinville written?
Kim M. Kinville has written: 'Proper handling procedures for refuse collection' -- subject(s): Refuse and refuse disposal, Refuse collection, Safety measures
Can a collection agency refuse monthly payments on a repossessed car?
YES, they can refuse. Its their money and they can demand it any way way they want to. However, they only get it like YOU give it to them. LOL Fin comp never gave oppor to pay back. ???? What do they have to do to be giving you 'opportunity"??
I live in CA and Im trying to make payment arrangements with a hospital. They want me to pay 450.00 up front or they will send me to collections. If I only have 100.00 to give them can they do that?
They can. But, you owe the hospital not the collections agency. If you pay $100.00 per month to the accounting department of the hospital, they arenot likely to refuse your payment, and will apply it toward your bill. If you continue to pay the hospital and refuse to discuss anything with the collection agency when they begin to call you, your bill is likely going to be paid in full by the time the collection agency can do anything but send you letters and call. Be careful and do not pay with a personal check. Pay by postal money order only. Paying by personal check gives your banking information to the hospital who in turn can pass this on to the collection agency. In the event they eventually obtain a judgment against you, the collection agency will already have the information they need to garnish your assets.
If you are willing to make payments on a debt can a collection agency refuse the payments and continue to harass you?
A collection agency is not hired to get the amount paid in payments they are paid to get the amount in full. At this point the place you originally owed the money to and did not pay may or may not be willing to take payments being that they have now hired the collection agency to get the money from you. YOu can call the original creditor and tell them you are willing to pay and if they say no then you must pay the collection agency, I have never heard of any of them taking payments. When they get hired they try to collect as much as possible of the owed amount so they can get a higher commission. They dont want payments they want money in full....
What if I do not pay the collection agency?
There are several potential scenarios: If you simply refuse to acknowledge the colelction agency, they may simply return the debt to the creditor as unrecoverable. Not so likely. If you do not acknowledge the collection agencies efforts, and they confirm your location, they may recommend the creditor seek legal judgment against you, and proceed to recover the debt without your consent. More likely. If you acknowledge the collection agency and tell them over the telephone not to contact you further, they may return the account to the creditor as unrecoverable. Not so likely. If you acknowledge the collection agency, and request they not contact you further, the agency may take that as a refusal to pay, and recommend to the creditor to file suit. Upon successful receipt of judgment, they will recover the debt without your consent. More likely. If you write to the collection agency that they not contact you further, suggesting in your correspondence that the debt is invalid, the collection agency may return it to the creditor as unrecoverable. Not very likely. If you write to the collection agency to no longer contact you, for any reason or no reason at all, the collection agency will contact the creditor to confirm the debt, and recommend upon confirmation to seek legal action, obtain a judgment, and take your assets. Most likely. Keep in mind that you are not obligated to pay the collection agency by any law in any state. You are however obligated to pay the original creditor.
Name some refuse storage problem in your home community and school?
in communities with publics refuse collection systems, refuse collection involves two procedures: 1. pick-up or gathering refuse from houses,institutions, and other establishments. 2. transportation of the collected refuse to the final disposal site. -- tonta maLi ito ....
Can a dealer sell you a car that is not certified?
Yes. Most used cars are not certified. You can also refuse to buy a car that is not certified. Certified used cars normally have a great warranty. Sometimes even better than a new car.
