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Write your doctor and try to get the terms in a letter (that would remediate the proof issue that you raised). If the doctor is honest and this is truly your agreement with him/her, that should get the collection agency to stop calling, unless they are calling you for a portion of the unpaid, agreed-upon balance.

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19y ago

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Does a collection agency have to provide information about the original creditor in a timely manner?

Yes. They have 30 days from the first time they contact you to get you something in writing. See the Fair Debt Collection Practices Act. If they do not, they are in violation of this Act and can get in a lot of trouble.


Can i deal with collection agency to pay just the original balance?

yes. or you can settle for less but remember to work out a pay for delete. be sure to get the arrangement in writing.


How can I request collections to be removed from my credit report?

To request collections to be removed from your credit report, you can contact the credit bureau and the collection agency in writing, providing evidence to support your request. You can also negotiate a pay-for-delete agreement with the collection agency to have the collections removed in exchange for payment.


Can a debt collection agency that bought the original debt charge you monthly interest?

YES. They can charge you the maximum interest as indicated in the bank agreement you signed or they sent as an update to you in the mail PRIOR to the collection process beginning. Usually this is why banks MAX the interest once you missed two or three payment in a row. They see the writing on the wall.


Can you legally pay a collection agency what you can afford each month?

Yes, you can negotiate with a collection agency to pay what you can afford each month. Many agencies are willing to work out a payment plan that fits your budget. It's important to get any agreement in writing and to ensure that the payments are reported correctly to credit bureaus. However, be aware that the original creditor may still pursue the remaining balance.

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