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.
You have to pay the collection agency. The original company has a signed contract with the collection agency and they pay the collection agency a % of what they collect from you. That's how they make their $$. The original company did not want to have the outstanding balance on their books.
Do NOT pay any money to a collection agency.......send your money to the debtor, the person you owe it to. Send it in the form of a check or money order. NEVER 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
No a collection aggency cannot garnish a pay cheque
No.
No.
Yes you tell the collection agency you will pay ONLY if they can give you a letter that say they will delete the item from your report it's call pay for deletion
If you have a judgment from a collection agency and it is valid, you have to pay it to have it reversed. If it is not valid you can try to appeal it.
if a collection agency isn't paid, the debt can be put on a persons credit report. The collection agency can also choose to garnish a persons paycheck.
When a collection agency takes on a bad debt, in many cases they are "puchasing" the debt from the original creditor. When you then pay off the collection agency, your money will stay with that collection agency. This is the most common scenario, but some companies do have their own internal collection agencies (Capital One, for example, has their own collection subsidiary in Idaho - the Westmoreland Agency). Hope this helps!
Pay your bills.
pay the collection agency, then check what their report is about you, if not good threaten to get a attorney and bring suit