i overpayed some debt collection agency and i just found out how much money exactly that i owe the company that refered me to them. i was wondering what's the best to get them to give me a refund.

don't really know. call them first if you have their number. As a collector myself..I really honestly don't know...but then again I'm 1st party or who sold your debt. If they are domestic they are going to be easier to get to..foreign companies are not so easy. I'd recommend those of you with debt STAY away RUN from settlement companies..they ruin you and your credit. If you don't like calls change your number or use "do not disturb" feature on your phone i available. Hey I like hangups makes my job easy just two clicks and on I go. Best wishes to you all and remeber most collectors are really good people with a rotten rep.

I just saw on my credit report that a CA whom i've never talked to or had any dealings with whatsoever reported that I made a payment to them. This is not true! What can I do?

remember some of your assets are exempt from judgement Social Security, workers comp, public assistance. to a certain amount check your local courts

what does SOL stand for?

SOL=statute of limitations.

In Sep. 2006 I learned that a company Ive never heard of reported against me ( lease finance $790.00), in addition a collection agency also reported an outrageoous sum as a debt(Metropolitan Adjustment Bureau $1524.00). Upon investigation I discovered that while I was overseas and had someone else managing my finances, it is possible that they engaged in a contract and had automatic payments taken out of my account ($75.00) monthly. After 3 years I never noticed this automatic payment. Unbeknownst to me, I changed my accounts when I arrived back in the states and that is what triggered the payments to stop and a collection to ensure.

After all this was discovered, in good faith I sent a registered letter to the creditor explaining this was all a mistake, however I would pay the balance of the the account if they would call off their collection dogs and cure my credit. They responded by blocking all my calls. But first they sent me a copy of a contract that had my name basically printed on the signature page, obviously not my signature.

When the collection agency called me I explained what happened and they said an original contract is not necessary, because by having the payment taken out of the account, that constitures acknowledgement and responsibility for the debt. I asked why they want so much ($1524.00) they said they can collect that much according to the original contract, but I say it was never signed by me, but they say we collected the payments and you paid. And this has been going on back and forth now for three years. They call, I explain, I send a letter they dont contact. A year later they call, I explain, I send a letter...they dont contact me after that. Etc.

I have requested in writting that they send me verification of the loan, they wont respond. When I hear from them again I ask why they didnt or dont verify, Ive been told they have no paperwork from the OC.

The original creditor wont talk to me from my phone so I contacted them in another way, they say they sold the debt they have no paperwork for the case.

I contacted the court to file small claims, they say they these two companies are out of state. I would have to file out of state and be present for Court for both the OC and the CA (two different states).

What a mess, this is 3 years old now, I want to buy another house someday but Im not sure how to proceed with this. Any advise?

To the person who had been overseas and someone else used their information to make payment arrangements for debt without your knowledge, the best way to fix this issue is to make a complaint against the person who did this for fraud. If you do not want to prosecute this person for fraud then you are saying you are taking responsibility for their debt. I would seriously consider fraud charges. Once you make the fraud complaint send this information (copy of complaint) to the three credit bureaus. They will remove the inquiries. Also send copies of the fraud complaints to the collection agencies with the name of the responsible party (certified) and request a ceast and desist on all collection practices against you. I am not sure what state you are in but you have a case for fraud against the person that did this to you. If you do not wish to prosecute the person then take the person to small claims court and have the court deem them responsible for the debt then send this information to the credit bureaus and the collection agencies.

i havent used my credit card for 2-3 years now. its probably in collections now cause i never payed for it.
i dont have any mails to all of my stuff because i moved 3 to 4 times. i never cared about my credit 2-3years ago cause thats when i graduated from highschool and only cared about shopping...but now since im trying to buy a car this is becoming a really big issue! :O

im really worried.....i dont know what company im supposed to pay or where to begin... its so confusing
do you guys know how much the debt will be if each of the cards had a $500 credit line? will it be like 5,000?
ahhh i dont even know what ca, fdc blah blah blah means


i need help ...

I fiance my suv with Nuvell and I only owe them two more payments pluse a few late charges. My balance is $2,314 and they have turned it over to RAB FOR COLLECTING THIS BALANCE. my payments with nuvell was $658.40 A MONTH WILL i HAVE TO KEEP PAYING THE FULL PAYMENTS OR CAN I PAY LESS NOW THAT ITS ALMOST PAID FOR AS LONG AS I PAY some thing EVERY MONTH ?????

I have been getting calls from a CA about my credit card debt. They say I owe about $4500. I haven't paid my card in about 9 months. I make about $1600 a month, and can definitely afford a monthly payment, but the CA won't negotiate with me. They've been trying to get me to apply for a loan to cover the entire amount of the debt. They're now telling me that I need to pay the entire debt by the 25th or else they are going to take action. I don't have $4500 to give them. My credit isn't completely annihilated yet (this is the only blemish on my credit report) but I am only 23 and don't think I have enough credit to qualify for a loan. I'm at a bit of a loss. They told me they don't offer settlements for people with a credit score as high as mine. (wtf?) I honestly don't know what to do.

I am filing for bankruptcy and need your address to send you the bankruptcy papers. my email address is thankyou email address removed per TOS tules, Shazzers

just a few comments about giving bank information. If you are dealing with 3rd party CA's and they want you to set up post dated checks, the FDCPA requires that three to ten days before the check is run a letter be sent to you informing you of the date of the check, the amount and the check information (ck # etc.) This is for your protection. Why do the agencies want post dated checks? because unless they have purchased the debt, they are on a time limit from the creditor, if they don't have payment arrangments the creditor can pull the account. CA's document payment arrangments with post dated checks. Think about this for a moment, as a former customer you promised to make monthly payments, for whatever reason those payments were not made, the creditor has usually tried for several months to make arrangments to get monthly payments, again for whatever reason these payments were not made/could not be made. By the time the accounts get to a CA basically the banks are not going to accept "john/jane doe promised to pay and they sent in one payment" as a repayment plan. And yes collectors are trained to get as much money as possible out of consumers, that is only common sense/good business. Almost all creditors give CA's a range w/which to work to settle accounts, as well as guidelines which they are to follow in how they collect. The bigger agencies may vary in how aggressive they are and obviously individual collectors may sometimes violate the law, however it is usually the smaller agencies that engage in the most egregious practices. We are regularly told that violating the law is simply not worth it. Frankly, if you are in collections, deal with the collection agency or the original creditor, however remember there is most likely a contractual agreement between the collection agency and the original creditor that requires the creditor to refer you back to the collection agency. I can also from experience say that what a consumer thinks of as harassment is not generally what the law says is harassment. I can also say that it is not a good idea to use so called debt settlement agencies, they simply take your money with pie in the sky promises and when/if you get sued they drop you as a client and tell you good luck while keeping the money you have paid them. Treat collection calls like a business call, stay professional and most likely the collector will stay professional, it may take a few calls, or a conversation or two with managers, but if you stick with it, an individual can usually settle their own accounts on fairly favorable terms. (usually better than what the original creditor ever offered)

I'm supposed to appear in court in early June to deal with Hunt and Henriques law firm. They represent Citicard and they have been unwilling to negotiate a payment plan. When is the best time to request Debt Validation? Should I request Debt Validation before the court date or should I request Debt Validation AT the court hearing???

I got a pay as you go phone for $30 from walmart. Never heard a word from another bill collector in a year and a half.

Then I got served by one and am being sued, talk about a b**ch-slap. At least I had 18 months of peace.
Now I just have to get a peep sight for the front door so I can't be served lol.

IAM A COLLECTOR...YES IM ONE OF THE BAD GUYS, I USALLY TRY TO DEFEND US COLLECTORS WHO ARE JUST DOING A JOB ANYWHOO I WAS TAUGHT AS WELL AS MY OFFICE GARNISHING WAGES CANT HAPPEN, BUT WHEN THEY CALL BACK IN NEXT TIME JUST TELL THEM YOU CANT RECIEVE PERSONAL PHONE CALLS AT WORK OR YOU CAN BE TERMINATED. THEY WILL STOP CALLING... BE NICE PAY YOUR BILLS WE ARENT ALL BAD