Personal Finance and Money Stack Exchange
Personal Finance and Money Stack Exchange

Questions tagged [debt-collection]

For questions related to debt collection, debt collection agencies, unpaid debts, etc.

141 questions
89
votes
5 answers

How to get rid of someone else's debt collector?

For the past three and a half years (as long as we've had this phone number -- a land line), we've been getting calls from debt collectors for the person who apparently used to have our number. The collectors don't believe that she doesn't live…
bstpierre
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76
votes
6 answers

A debt collector will not allow me to pay a debt, what steps should I take?

I was contacted several months ago about a debt collection for an incredibly small sum. I asked to be sent something in the mail where I could remit payment for it. The individual told me the debt would be cancelled and immediately hung up on me.…
Eric Urban
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4
votes
1 answer

Better to pay debt collectors or original provider?

I was having a conversation with a colleague about repairing credit. He believes if you have a debt that went to collection, that it's best to pay the original provider of the goods or services. However, I think once the debt has been sold to a…
Keltari
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3
votes
2 answers

Does an unpaid medical bill that is sent to collections have any adverse affect besides affecting the credit score?

I know that an unpaid medical bill affects the credit score if it is sent to collections. But is there any more adverse affect that it creates?
morpheus
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2
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2 answers

Can I pay a creditor directly after they have sent the debt to a collection agency?

Let's say you have a credit line account with a department store. You owe a balance on the credit card and it was sent to collections. In order to pay this off, is it possible to still send regular payments to the department store account in hopes…
C graham
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2
votes
2 answers

Is it legal for debt collectors to send notices in an email?

As the title asks, is it legal for debt collectors to send notices in an email without a judge's prior approval? The location in question is Nebraska, USA. EDIT: The notice's request is only to update billing information on a CURRENT contract... but…
Anthony Miller
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2
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1 answer

Recovering money owed by an unresponsive online business

I did business with an online business based in New Zealand, PredictIt, which has a firm in Washington, DC, called Aristotle, Inc., that handles their monetary transactions. I'm in California. They ended up owing me money, which they say they sent…
user13722
1
vote
1 answer

Does deleting a tradeline mean the account is wiped from credit report

A collections agency wrote: Within approximately 30 days of your final payment successfully posting, we will request that the three major credit reporting agencies delete our tradeline related to your account from your credit bureau report. Does…
Jinzu
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0
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2 answers

Can a sole proprietorship start a debt collection business

Can I buy bad debt under a sole proprietorship? I've considered the costs of an LLC versus a sole proprietorship. However to dig deeper, I am unaware on "who can buy debt", and where to find these regulations with a google search hasn't done me much…
Josh
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votes
1 answer

Debt collection payment

In 2016, I rented a apartment for my then boyfriend.I was living at my parent's house and only stayed at that apartment from time to time.Long Story short, he failed to pay one month rent, I got scared so I told the leasing office that I wasn't…
Carielle
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