I Have Never Heard From a Collection Agency Regarding a Debt on My Credit Report...Can I still Have

Yes, you always have the right to dispute what is on your credit report, because a delinquint debt will affect your credit rating and credit score whether or not it has entered collections. Chances are that it never will enter collections if the lender knows that the money is not owed to them, they just never corrected the information with the credit bureaus

1. I am wondering if anyone out there knows how to get a collection agency to quit harassing you 12 times a day.?

Do not try to dodge the debit it will catch up with him. And he will have to be the one that talks to them they can not talk to you about the account unless your name is on it.

2. What do I do if I'm getting calls from a collection agency for a doctor's appointment that my insurance should have covered?

Call the insurance co and just ask why it was not paid

3. Can a collection agency add interest to my debt?

As Leon says, there are only two conditions that a collection agent can accrue interest on a debt the that they are collecting out :If it is stated on the original terms of the agreement/contract that states that there will be penalty interest on late payment, and the rate that is set at.If there is no penalty interest clause, in England and Wales, if the debt goes to Court, then the Collection Agency can draft a Summons that under the County Courts Act allows the Claimant to add 8% per annum flat to the claim for the recovery of the debt, along with Costs of issuing the summons.If the debt has been sold to the Collector as opposed to the original signed Credit Agreement, then they have the automatic right to draft the Summons and include the interest from date of default of the payment date of the invoice(s) concerned to Judgement Date, and there after to the settlement of the debt. So the agency can't make up its own rules, but if can only carry out the interest accrual set by the original agreement, they cannot make up a revised contract. Most collection agencies, indeed companies where the debt was created, usually ignore the original interest rate and apply Statutory Interest at 8% pa flat.Chris R- LondonCan a collection agency add interest to my debt?.

4. How can I avoid being served with papers, a debt collection agency want to sue me?

It does not matter where you live as long as they have your name and identifying information correct. If you owe a debt, they will find you and they will collect. Why do not you pay up and get a good night's sleep without worrying and looking over your shoulder. Would you like them to serve the papers at your place of employment? That's embarrassing as all he&&.

5. Collection agency responded to pay-to-delete letter saying it is a "violation of the Fair Credit Reporting Act?

You really need an expert for this situation. I listed a site that offers free consultation that helped me out with a similar problem. Hope this helps!

6. How do I get a collection agency to stop pursuing me for money I shouldn't owe?

Go see a legal aide lawyer. If you want to stop it do this, tell them that even though you disagree with it you will pay them a $1 a month until it is paid for. Tell them that you can not afford it and that is your offer. the will refuse and if they refuse then they are refusing to take your money. If it goes to court and you tell the court you agreed to pay them monthly and they refused to accept your offer then it will be thrown out of court. Besides they cannot ruin your credit with $430 it just not enough to make a difference. I would not pay it, it has to be over a certain amount to go to court and they can not do it unless you refuse to pay. They are threatening you with court and the truth is it will cost them more than that to pay a lawyer to take you to court so do not worry about it. There is nothing they can do.. tell them you will see them in court and by the time they decide to take you to court it wont happen because the amount is not enough to go to court. It would cost them a lot of money to hire a lawyer to take you to court over such a little amount. If it does go to court you say I offered to pay them in monthly installments and they refused and when they refuse they are technically refusing your money so they will not take you to court. It happened to me and it was thrown out. Trust me they will not do it. It happened to me over $250 and I did not pay it and it did not go on my credit record because the amount is not enough to ruin your credit over. Tell them to kiss the sunny side of you butt. Take care Heather

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Can a Collection Agency Acess Your Safe Deposit Box
No, only the bank may access your safe deposit box, and then only after you allow the lease on the box to expire. Once the payment for the box expires, the bank must wait a certain amount of time (this is laid out in the deposit contract and in some state laws) and attempt to contact you to either collect your belongings from the box or renew your contract. After this period elapses, you are considered to have abandoned the box to the bank and the contents become the bank's property. However, if you leave items such as a deed or a title, you still legally own that property - the bank has a piece of paper that says you own that property.Is this a Credit Reporting Agency or a Collection Agency? I received a call from Equifax with an 800 number?NCO is like the other answers have said a collection agency. They likely have some kind of account you did not take care of. Though that's a guess on my behalf. I do not know where you filled out your form for a free credit report, but if you go to www. annualcreditreport. com you can get a copy for free and see what if anything is being reported on you by NCO. They may have been telling you that if you do not pay them they will report you to Equifax. It may be some old debt that is more than 7 years old. If this is the case, do not bother to send them any money. Debt that is more than 7years old can not go on your credit report. They may try to coax you with a payment plan or some small "good faith" payment. Do not do this either, it will start the statute of limitations over and then this will allow them to report it again, so be cognizant of this. Equifax does not allow others much less NCO to use their name. As far as your final question goes, this is just how they verify your identity when you get your free report. If you did not open, or refinance a mortgage in 2004 just say you never had one, or none of the companies,Can a Collection agency Come after a minor For unpaid rent?my peer is 100% wrong. THE only time a minor may sign a contract is when he/she is emancipated; no other exceptions. IF a minor does sign one and it is accepted by anyone, the contract can become valid when the minor reaches age 18.Do I have to work with a collection agency for a student loan debt that is unpaid since 1994?You do not have to "work with" the collection agency. You do have to pay the debt, unless there is a law that says otherwiseIs it possible for a collection agency to suspend my driver license?No. Only the DMV can do that, typically in response to a moving violation, accident or court order. Debt collectors do not have that sort of authorityWhat should I do when a collection agency tries to take my house from me for a $3000 debt? Is that legal?If a collection agency seizes your property because of an unpaid debt, it must sell it in a commerciall reasonable manner -- not give it away to a relative. I do not believe the collection agency can seize and sell your mother's house for a credit card debt. They can try to force her into filing bankruptcy, but they can not just say, "Your house is mine." The collection agency does not "own" the house because of a deliquent credit card debt. The credit card company and its agency do NOT own your mother's home because she is past due on her credit card debt. I live in Florida, and the only way I can lose my jouse to a creditor is if I am past due on my mortgage. I do not know what the law is in New York, but your mother needs an attorney. Your mother needs a good bankruptcy lawyer, and she should save all correspondence from the collection agency and anyone else concerning the house. Unless your mother gave the credit card issuer a mortgage on her house to collateraize her credit card debt, the issuer has no claim on the house that is ahead of all her other creditors. It soulds like the credit card issuer is trying to intimidate her. Get a bankruptcy attorney!
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