a collection agency collecting for collection agency?

that's odd. i've never heard of a collection agency hiring another collection agency. you might want to verify that midland credit is not another agency entirely? it's possible fingerhut sent the debt to another agency and both are now reporting. however, it is my understanding that a debt may only be reported to your credit ONCE at a time. i believe you CANNOT have multiple agencies reporting on the same debt all at the same time.

they really make worst than that,my husband gave a check by mistake by phone,he told them to cancelate, but they deposit 3 times in his account.a check of 400 dollars eletronic .this account was paid on full already and he told them already.two months later,a ventus capital service send a letter to us,charging the hole amount of the mistake check.in the telephone i told the first agency that i go to dennunciate them,excuse my poor english,but i really need to give this address to you for investigate this people.they charged checks give by mistake and give to other company to do their dirthy work.now,i m tapping many people without respect and abuses with my husband go to be tapped.my dear friends of debt consolidation care,thanks for always be nice,with all people that really needs all of you.by the way,my husband is mentally ill ,because he is became blind (retina pigmentosa)before he was a brilhant sales man.here the addresses;

national financial,inc
600 w john street
po box 9046
800-411-1332

the other is

ventus capital services, lp
po box 4173.
the telephone is
18663459706.

they have other address;
9700bissonet,
suite 2000
houston tx 77036.

merry christmas and happy new year for all people wonderful of debt consolidation!

tania alvarez

Hi Tania,

Thanks for appreciating the website. You can also join the community and be an active member in the forums. Your registration is free here.

Regarding the investigation, have you placed your complaint at the consumer protection office in your area? It will be more helpful if you can send the info to them also so that they can investigate it.

Shirley,

A collection agency can report in the credit report only if it has a legitimate reason. If the two companies are entirely different, one should stay in your file after you have paid them off and the other one needs to be removed. It's because two companies cannot report for the same account at the same time.

This gives you reason to place a dispute with the CRA.

Quote:

thanks roxette,for your invitation ,but i need more help of you and others of this forum,because i show the problems that people suffers when bad debt collectors abuse them.if people are abused for them ,imagine what they do,with others,like my husband,remember ltd 77074,that until tell him their account in bank one,houston scream with him,saing;-go now deposit this money,now!every time i see again,a agency doing anything to him,i go to complaint to you and this time i have others telephone for ventus;ventus capital lp,tx 77036,telephones;713-5966020;713-784-9966,is people complaint already about this agency,is a "new kid on the block," they said and you are the defensores of us.thankssssss,we need very much of your help to stop the false debt collectors,and i have no fear,because i have proof against them and your help to stop them.thankssss roxette and all members of this forum,because only this forum can stop them.

Tania,

There is not the slightest need to face the abuse of the debt collectors. Have you done something wrong for which they are harassing you? No. If they are collecting for some past account, they should show you the documentation first.

Show your proof to the attorney general. Laws are there to protect the consumers, not to support the illegal activities. Send copies of your complaint to the FTC and the BBB also. They also will be sure to take legal actions against the rude debt collectors.

Regards
Roxette

I did question them about the fingerhut account being on twice. we'll wait and see what happens. LOL I'll have alot to post about when I hear back from them about all these disputes! There were several! I explained each one and whats been going on with it. It ended up being four pages. I don't know if it will change anything or not. we'll see. will let the group know what I find out, when they start coming back in.

something else I thought of. what if one bureau clears something but the others don't?? how is that handled and does it happen? Or like if two don't and one does? interesting question, I think.

thanks, shirley

It is up to the creditor's choice of which credit bureau they are reporting to. Although these credit bureaus share information within themselves, but if due to some reason, your information is not updated with the particular bureau, you can request them to update the file. They will do the needful.

thank you =) shirley

Quote:

thank you Roxette and Collector Matt =) shirley

it's nice to find that some people actually appreciate factual information. thanks ttf.

I have some medical bills in the neighborhood of $5.000. From my Gall Bladder removal. So there are like three-different doctors and the hospital and clinic billing me separate each month. I only make $8.00 an hour and each of these bills are over a thousand dollars and they all want 10% of that each month in addition to car insurance,food and rent. I have been sending them all $25.00 a month since last June of 2005..never missed a payment. Now one of them has referred my account to a collection agency who is demanding payment...and threatening garnishment. I only get back $900.00 and change after taxes. So what are you suppose to do?

Heres what comes to mind while reading your post. If I understood you right, you have been sending each of each accounts $25 a month? Only now one has went on to a collection agency. I take it that the collection agency has contacted you since you said they are threatening garnishment.

Okay, if I were in your shoes, I would sit down and write collection agency a letter and express that due to hardship, there is just no way you can pay the full amount at this time, but would like to reach a
payment plan/agreement that would be satisfactory to both parties. I would still send the $25 a month that you are sending the others (unless you can afford to send more), and if somewhere down the line you hear from another collection agency concerning one of the other accounts, then deal with them in the same way.

Also, I have found from experience that some of the worst collection agencies to deal with, are the ones that are holding medical accounts. So for your own protection, at the bottom of your letter, put in a 'do not call' order. Tell them to contact you through written correspondence ONLY, no phone calls to your home or to your work. Trust me, they will start calling you at your job, if they haven't already. If not, then you need to stop it before it starts.

hope I have been of some help. This advice is from my experience. Shirley

Ronnie

You must take some professional help and reach to a negotiated amount. Keeping in mind the amount of money you make, since the debt is large and you have other bills to pay as well, you need to work out a suitable payment plan with the creditors and the collection agencies. The consolidator will arrange the payment plan for you after negotiating with all of them. Register yourself in this website for a free counseling.

Just a thought, may not help..but, I worked for a doctor so I know that some hospitals have programs where they will either discount a portion or write off the money you owe due to financial hardships, even if you have insurance. Some of them require that you fill out an application for financial assistance, then they handle it accordingly. Lots of people don't know about this, but it also depends on the type of hospital. If it is a community hospital, they are more likely to have this program. It doesn't hurt to check it out. If they don't have that program, you have lost nothing. But I know I referred a few patients to that program before and it worked out for them. Good luck either way.

TMD--thats very interesting and nice to know. maybe Ronnie should check into this to see if they can do anything to help him out. as you stated, he hasn't lost anything if they say no and it certainly never hurts to try. If this fails, I think John had a good idea too.

Ronnie, I meant to add, that maybe you were a little surprised that you heard from collection agency after paying on accounts every month, but just because you're making payments, doesn't mean you still won't hear from collection agencies, or even get carted off to court. Been there done that. Just try to get something worked out as soon as possible on your end, so you won't get blind sided. shirley

TMD, that's a very good idea indeed. And it will be helpful if the hospital is having such programs.

TMD, I have read your previous posts and found them very helpful for the community's knowledge. It will be nice if you can join our community as a registered member and enjoy some exclusive offers available to the members of this site. Your registration in this website is absolutely free. Hope to keep in touch with you often.

This is TMD I have been a member for a little while, just usually don't log in. Guess I will start doing that from now on.

The hospital which was Miller-Dwan in Minnesota did have a community care program and a discount thing for low-income people and they did take care of about $9000.00 of the bill of which I really appreciated. I did speak with the representing parties that were sending me bills every month and explained to them and filled out some financial thing for a couple of them stating how much I made and such...I just dont understand how they all know my financial situation and yet refer me to collections...now they have to share that with a collection agency...It doesnt make much since to me....or logical. So now I have this Ventus Capital Services,Lp group trying to get blood out of a turnip. Should I not call them from my home phone?? Just curious..as a friend told me to NOT to?? Anyway thanks for being so helpful...kind of unusual these days, I must admit, but nice.

Ronnie, if you have their address, I would prefer to discuss it through 'written correspondence only'. Its your call though. I've heard both ways...but my thinking is if you call them, then they think its okay to start calling you. which, they will probably do anyways. So I usually write and tell them no phone calls, written correspondence only. And we go back and forth through USPS. If you don't have a problem with talking to them on the phone, then go ahead but I never leave them that option. JMO, shirley

I think I will take your advice TrittFan and go with written correspondence. By the way..TrittFan I dont see a donate button anywhere??? as I would glady turnover the points to you. Thanks for your help. By the way I am Ronnie D...cant seem to remove the guest name I used as I just signed up.

Ronnie, you need to log in the forums with your email address and password from the login button at the left side of the index page. Once you have logged in, you will be able to donate points to the preferred user.

Thanks John..I use so many forums dealing with PC Hardware/Software and Game Forums that you would think they are all the same...but rarely are they.

For some reason I am having trouble posting to this particular thread.

Ronnie-the reason they sent you to collections is because most medical companies/offices like their AR (accounts recievable) list to be as low as possible, so even if someone is paying on an account they eventually get rid of it after a certain amount of time.

YO Ronnie!!!! nice to see a face with a name!! shirley

Well that is somewhat understandable...still I dont see the benefit there of now having to share that amount from a paying person with a collection agency..when in order to get more from me they would have to garnish my wages and I believe that would facilitate a burden on my behalf..or does a court take into account the burden a garnishment would have on a person before imposing one??? just curious...

well, I don't know if they care about the burden, but I am pretty sure the judge will not order something you cannot possibly pay. The judge does know you have to eat, have shelter, etc. This company might also be using that as a scare tactic...they may have no intention of garnishing your wages. I can't tell you how many times I have been told that by a collector. They love scare tactics...so if you do choose to talk to them, talk like you are very knowledgable of the laws, and don't sound intimidated. That is all the advise I have really, sorry I can't help more. Good luck.

Well thank you Shirley. Its not a very good pic...dont think I resized it properly.

Well thanks for the info and advice toenails...interesting username, though.

yeah, didn't mean to use that as a username...that is part of my email, didn't know it would be my username. That was my nickname when I was little.

oops, forgot to sign in...that last post from 'guest' was me.

ACCOUNT 2475643 AND 435.56 to PAY.IS ANY DEBT VALID WITH WRONG ACCOUnt number and false statement??why they put this account 2475643 in the top of the letter they send to me?why they send debt collectors to cash a check gave by mistake? check 795 for 435.56 was give by mistake to national financial systems(already paid in full).. and just ask ltd 77074 that told my husband to make this check of 435.56 or they go to put him in jail .ltd robber his disability check(150,00)for 7 months(i have all the checks here) and this debt is past sol,too.everybody tries illegally take money from disability check of my husband. Every day i' m learning with this forum.DEBT CONSOLIDATION CARE people go to be in my prayers every day.please give me some light here my account is4128002143*******

Account number deleted for your personal safety - Vikas

Tania, collectors can't take out money from your husband's disability after the SOL of the debt has expired. They can insist you in making the payments but they can't take that forcefully and without your authorization. You must take some legal counsel if you have an attorney.

Also, you must talk to the company and request them to correct the account number in your file. It's possibly a mistake and they need to correct it.

I think I can help you... midland credit management is a DEBT PURCHASER and has obviously purchased your Fingerhut Account which unfortunately is more and more common everyday. The entry on your credit report under "fingerhut" as bad debt can be removed by you sending a letter of dispute to the credit bureaus (all 3) with a copy of the page of your credit report highlighted to show the entry.
The credit bureau should remove the Fingerhut one its no longer being reported if the debt was pruchased and is being reported under another lender

I just joined and am currently tangled in 10,000 dollars of debt and am here to recieve good info and advice from others that are affected by debt and taken advantage of by companies that aren't legit or that seek victims. All advice would be greatly appreciated.

Thanx.

Pierre, welcome to the forums. You will find a lot of helpful people here.

Could you elaborate more on your debt? Is it credit card debt? Are you dealing with any collection agencies? You will find a lot of posts about bad collection agencies, and what to do about it.

You can also sign up on this site for debt consolidation if you think you need help, or for credit counseling. I hope we can help answer any questions you have.

Hi Pierre,

Please share more with us about your situation. What companies are you speaking of that are not legit? We will be glad to discuss your situation and help you through it. Trust me, I was lost when I found this website and the folks here have helped me tremendously. We are all friends here and we will help you in any way we can. Please let us know more specifics, and welcome to the forum!

~Mary

ltd 77074 and portofolio associates,LLC 2 debt collectors ( FROM HELL )IN THE SAME PAGE:LTD FINANCIAL SERVICES77074
AND CLIENT:PORTOFOLIO RECOVERY ASSOCIATES.REF 004810385AND ACCOUNT PRA N850920235545 E 19.OWNER OF THE ACCOUNT TANIA ALVAREZ. MY HUSBAND J.ALVAREZ PAID 7 CHECKS (1070,00) FROM HIS SOCIAL SECURITY DIsability.
*THIS ACCOUNT WAS PAID WITH 7 PAYMENTS OF 150,00 FROM
J.ALVAREZ and HE WAS HARASSED EVERY DAY , weekends and holidays for more money FOR LTD 77074. account *5545 IS NOT my husband's account.account fleet/natwest ****5545 is in my name tania alvarez and is not reported in my recents credit reports,too since 1999. LTD 77074 Took 1070,000 ILLEGALLY of MY HUSBAND account.ltd phone 18007412100 and portofolio RECovERy associates phone 17721413 continued call my husband j.alvarez to charged him because they know this account is illegal and my husband is mentally ill and blind and ltd 77074was abusing him until i found debt consolidation care forum and my husband almost kim himself.PORTOFOLIO RECOVERY ASSOCIATEs BEGIN to call my husband again for payment of my old account overpaid and expired already. i didnt complaint to the attorney but now in december of 2006 i send a complaint about ltd 77074 and portofolio for the attorney general office of miami bill mc collum. thanks shirley,thanks jedi mistress,thanks david,thanks jeff13 (sorry for my enghish)thanks roxette,thanks stan,/thanks finsfan 13:-"report these people!"/,thanks kyside 38,,thanks brian,thanks mary ,thanks steelers,thanks clay,thanks mike,thanks jessi,thanks ashley ,thanks beauty 1217,thanks boss 4455,thanks tin tin and all members of this forum from the past and from the present,forever my gratitude will be forever to vikas(thanks ........)
and all members of this forum.merry cristmas and a happy new year for all of you!!!!AMEN

Thanks Tonya- and a Merry Christmas and happy Holiday to you too!..Karen

I WANT TO KNOW if is a joke or NCO IS FOR REAL?
i received a bill of 2,782.10 that suppost TO BE for my father in law that Dies in 1998.the problem is the same name with a "b" and my father in law never have a( E.alvarezB?) B IN HIS NAME.
"NCO PORTOFOLIO has purchased your defaulted account reference above."EDUARDO B OR C?
my father in law dies 9 years ago (1998)
and he never have any credit card .*2 collectors:
*MERCHANTS CREDIT GUIDE CO-EXECUTIVE OFFICES 223 W JACKSON BLVD-CHIGAGO ILLINOIS 60606 AND THE CLIENT IS
*NCO PORTOFOLIO MANAGEMENT,INC CURRENT BALANCE IS 2782,10.TEL 18882491033.i think *NCO THINKS IS THE FATHER OF MY HUSBAND AND TRY TO COLLECT A DEBIT THAT
IS NOT OF MY FATHER IN LAW.
i think these people dont know what they are doing.
"UNLESS YOU NOTIFY IN 30 DAYS....."I DONT GO TO ANSWER for a incompetence of* NCO IF THEY ARE INCOPENTENTs debt collectors MAYBE WHO KNOWS* NCO
BAD DEBT COLLECTORS WITH *Merchants Credit Guide Co have to go the cemitery to check the name of my father in law with b,c,d or z that is dead since 1998 and i feel very sorry for my father in law that paid everything in advance until his funeral and never have a credit card.

dear karen i get very ANGRY BECAUSE NCO INCOmPETENCE
AND i FORGET TO SAY TO YOU THAT i really wish all the best for you and your family.merry cristhmas and a very happy 2007!!!!

my ca buys accounts from other ca's thats how a collection agency can call and they will say they are clling for the other collection agency because at that pointe you can not involve the other party. for instance, if you owe sears and a ca called recovery systems calls you and they see where they can not collect the debt, the ca that buys that account from them can not say they are collecting on behalf of sears because sears did not give the account to them. the other ca did.

sorry i forgot to sign in. we buy accounts from another collection agency, even if they seem uncollectable. it is a trip but it is true. It is cheaper for the company. They profit more to pay a percentage for an account and then collect the whole thing with intrest and new collection fees added

i think send the bill to wrong address and
wrong person is incompetence of some
collectors of NCO AND I BELIEVE THESE PEOPLE
go to call my house because nco/merchants credit guide CO OR nCO I THINK send 2 pages here
in the name of eduardo B.ALVAREZ.
I DONT GO TO CALL nco to tell is not my
faTHER IN LOW THAI IS DEAD SINCE 1998.
MY HUSBAND was not sleep for 1 day and
yesterday when i told him about NCO SEND
a bill here for another man with almostthe
same name of his father of 2,782,`account
0010116913 and original creditor:AMEX.
OUR FILE;15-074120730 AND ORIGINal:3737042404
12003.our client :NCO PORTOFOLIO MANAGEMENt
inc.
my husband sllept well since 11pm (yes
terday to 11am today in florida.

PRIVACY NOTICE"THIS NOTICEIS BEING WITH THE REQIREMENTSof the gramm-billey privacy act.15US.
SEC 6801 ET seq.it has no reflection or bearing upon the status of your account".Nco portofolio management inc TOGETHER WITH THEIR AFFILIATTES
COMPANIES LISTED ABOVE...
I THINK IF NCO HARASSED UNTIL ghosts for a
account that dont belong to them.imagine which
type of company is NCO PORTOFOLIO MANAGEMENT INC?

tanialvarezNCOincoMpetenc,
Why won't you become a member?

thanks beauty but i have to tell the truth for
you:I'm a symbolic member of this forum.I'm
the guest that need help in this forum.i think
I'm a person that represents many guests in
this forum and i need help.i like to represent
many guests in this forum.i love to came to
this forum and get help all the time.
my english is not so good but always i get right answers for the polite ,inteligent,intellectual people of this forum.beauty 1217 do you
understand why i'm not a member?

my english is NOT so GOOD BUT always i get right answers from the POLITE,INTELIGENT,INTELLECTUAL
MEMBERS OF THIS FORUM.
BEAUTY 1217 DO YOU understand whY I'M NOT A MEMBER
OF THIS FORUM???