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What else can I help you with?
You gave a company your credit card as proof of id and they took money without permission?
My guess is that company was a collection agency? Never give anyone your bank info, or credit card info. If the company was a legitimate company you were doing business with and you did not authorize payment dispute the charge with your credit card company.
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.
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.
What can you do when a credit agency contacts you about a card you paid off 6 years ago if you paid with a money order and cannot prove you paid?
If you have no proof of payment, then it's the same as if you have not paid. Don't expect a collection agency to believe you. They talk to hundreds of people every day who tell them "it's paid". You can try disputing the account with the original creditor, the company you paid it to and the credit bureaus. At least that would put the gears in motion. But, without proof, don't get your expectations too high.
Should i send a collection agency proof of payment of debt?
with out a doubt. you would want them to update your CRA.
You gave a company your credit card as proof of id and they took money without permission?
My guess is that company was a collection agency? Never give anyone your bank info, or credit card info. If the company was a legitimate company you were doing business with and you did not authorize payment dispute the charge with your credit card company.
Can a debt be classified as a judgment if you made a payment and the collection agency contacted you and you showed proof of payment and are paying the remaining balance?
if collection agency is not from your lender, but third party, then you need to fax them proof of your payments to your lender or financial insitution and have them send you a letter stating that they will not report you to credit bureau. and also have them contact the collection agency you are making payments. asian623 http://www.myspace.com/scionturboracing
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.
If you've settled a debt with a credit collection agency can the original creditor buy back the account and try and charge you again?
No ... you have the proof that the debt was settled.
What happens if a collection company does not validate the debt?
If they are unable to show proof that you are connected to the debt and have no documentation, then they by law have to remove it from your credit report.
What do you do if an account was turned over to a collection agency but the original creditor accepted your payment in full?
Contact the original creditor. Provide proof of your payment. They need to retract the account from the collection agency. The account could have been sold to the collection agency or simply assigned to them. For your purposes, it does not matter which situation applies. You paid the original creditor and your credit report needs to reflect this. After they do what they need to do to get the account back; you then dispute the entries with all three credit bureaus. The original account should show as a paid collection and the other collection account should be removed from your credit report entirely.
What is the statute of limitations of charge off auto loans in Virginia?
If you defaulted on a car loan, most states have a statutes of limitation of 10 years. Even though the lender may have "charged off" the debt, the debt could and probably has been sold o a collection agency. You can protect yourself from the Collection Agency from harassing you by sending them , by registered , a letter requesting Validation Of The DEbt. The Collection Company has to stop calling you and the must provide proof of the original loan and a signed copy of the contract, a license showing that they CAN collect the debt, and proof that they, indeed , have purchased the loan from the original creditor and the necessary paperwork to prove it. Most collection companies cannot obtain that information so is that is the case, you can contact the credit bureau that has it listed as a bad debt and showing the proof that you did contact the collection agency and received no response, the have to remove it from your credit report. If , in fact the collection agency DID report this questionable loan as delinquent without any of the above proof, you can sue them for defamation of character.
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.
What can you do when a credit agency contacts you about a card you paid off 6 years ago if you paid with a money order and cannot prove you paid?
If you have no proof of payment, then it's the same as if you have not paid. Don't expect a collection agency to believe you. They talk to hundreds of people every day who tell them "it's paid". You can try disputing the account with the original creditor, the company you paid it to and the credit bureaus. At least that would put the gears in motion. But, without proof, don't get your expectations too high.
After a surgery 6 and a half years ago a collection agency is now trying to collect on some unpaid bill that you know nothing about Is there a stutue of limitations on collecting on an old bill?
Yes, there is. There is also US federal protection against unfair credit collection practices, including the requirement that the collection agency provide proof that the claim is valid if you ask them to.
Can you provide me with a debt collection verification letter?
A debt collection verification letter is a document that requests proof of a debt from a collection agency. It should include your name, address, and the debt amount you are questioning. You can find templates online or request one from the collection agency.
Can a collection agency report an account from the year the account was handed over to them?
No, this is called "re-aging" the debt, so that it stays within the statutes for collection and legal action within your state. Dispute this with the credit bureau, and of course, keep all account records for proof.
