Debt Collectors
Can landlord send move-out debt to collection agency without notification
The dreaded move-out date arrives and the one thing on your mind is the security deposit. What happens when you don’t get the security deposit back plus the landlord sends a balance to a collection agency that reports it on your credit files.
Can a collection agency pursue a debt older than 7 years?
Even though a collection agency cannot report a negative account beyond 7 years, they can still pursue you for an unpaid debt.
Medical collection debt can be removed from credit reports
If your insurance company pays a medical collection debt that’s on your credit reports, you can have the medical collection accounts removed from your credit reports under the National Consumer Assistance Plan (NCAP) initiative.
Can medical debt past the statute of limitations be pursued by a debt collector
Medical Debt: Most debt has a statute of limitations which means at some point it becomes legally uncollectible. Debt collectors can continue to pursue payment but have no leverage.
Avoid being a victim of Phantom Debt, especially payday loan debt
Junk debt buyers may be engaging in phantom debt, collecting payments from consumers for debts that are nonexistent. or illegal to collect.
Steps to take for unknown medical collection accounts on credit reports
Medical debt collectors looking to collect on older accounts often don’t have any documentation to prove you owe the debt. It’s important to challenge medical collection accounts. If you want to pay, contact the original medical provider.
Debt Collector Threats: Dirty debt collector threatened to take child away
You have the right to stop the debt collector threats and stop debt collectors from calling and writing you. But that does not eliminate the debt.
How to detect a fake debt collector posing as a law firm
Proceed with caution if a debt collector calls you out of the blue. It may be a scam collector especially if they threaten arrest, legal action or wage garnishment.
If a collection agency validates a debt do you have to pay it
If a debt collector cannot provide debt validation, you may be able to negotiate a reduced settlement of the debt, or even eliminate the debt in full.