a lot of people seem to be confused as to what constitutes a 'threat.' maybe this will help - threats: i will ruin your credit i will call you every single day we are going to garnish your wages we are going to sue you not threats: do you want your credit damaged because of this i suggest you check your credit report tomorrow do you want calls every day do you want your wages garnished do you want to go to court over this, and spend 1000's of dollars on attorney i suggest you hire an attorney for this matter basically, when a collector tells you they are going to take specific action, y

I attended college and somehow the financial aid was less than estimated. Anyway to make a long story short, I owed the school around $1200 which was turned over to a collection agency. I believe the name of the agency is Regional Collections. They said unless I can make a payment of $132 per month, they will seek to garnish my wages. They have only called me three times all at work. The first two times, I did not discuss anything with them and advise them to not call my workplace.

I guess I haven't thought of this, but does a collection agency hire another collection agency to collect its money? My husband has an account with Fingerhut which I am currently paying on through Phillips & Cohen. Fingerhut is showing bad debt---write off. Phillips & cohen are not on credit report. but Fingerhut has a second entry on credit report under midland credit management. They are also showing 'collection Account--making payments'.

Is there any way I can recieve counseling via email because I am overseas?

want to know if i was approved

Hi! Got a letter today from: Law offices of Mitchell N. KAY P.C. new york, NY they're trying to collect from a FIGI's INC. for 102.86. Never heard of FIGI's. anyone know who they are? This just pops up today---never heard from OC or CA before, just this today from ??lawyer??. I just got done writing validation request and its going out in tomorrows mail, certified-return request. thanks, shirley

I have about $25,000 total in credit debt, and my current minumum payments total about $700/month, and I from what i understand, beginning January 2006, minimum payment on credit card bills will DOUBLE...I am looking to combine all my bills into 1 low payment that I can pay each month...My credit is not so bad, when I purchased my car this past July, my score was a 672 on Trans-Union...what are the drawbacks of doing credit card "settlement" vs "consolidation", and how will it affect my credit after I've paid off everything?

Hi Folks, Hope you all are having a good time as the Christmas and New Year celebrations are round the corner. :D I extend my warm welcome to all the new members and guests who have recently joined the community. We hope that we will stay in touch and offer valuable help to each other. I, on behalf of the whole community, sincerely welcome CollectorMatt and Ari who are from the debt collection industry. The whole community is thankful to both of you for sharing your experiences with us. We look forward for staying in touch with both of you. Thanks Vikas

Okay. So today I stumbled across your very helpful website, and find some VERY valuable information regarding 'wage assignments'. I am desperate. I have an attorney who is representing me, but I cannot seem to get in touch with, and yet a 'wage assignment' has been received by my payroll department. I have never in my life dealt with such a document, and this is all very new to me. You had once responded to a forum about receiving notification 20 days before-hand, I received none.

Can my spouse be sued for a debt in my name only ?