Sometimes its easy to be negative, especially when dealign with collections. WE all see day in and day out people posting horror stories about this collection agency or that. You can become hardened and assume that they are all crooked. While no one likes to be collected on, most likely its happeneng becuse of something we did (or didn't do). So my question is, have you dealt with any collection agencies that are "Good"? That know and operate within the laws? That are willing to work with you to resolve the problem rather than harass, threaten and intimidate?

If I dispute the validity of a debt after receiving the initial collection agency letter, can the agency report the debt to the credit bureaus without validating the debt with their client. ( The creditor has admitted their mistake to me over the phone and agrees that it was their error in sending the account out for collection.)

Correct me if I am wrong, but under the FCRA, isnt the CRA required to proivide on request of the consumer evidence or other proof of how/ why a disputed entry was able to be validated? UPDATE: A little further investigaton and I found Sec.611 par. 6 Sub Sec.

Does anyone know who this phone number belongs to? 1-866-828-3072 Thanks Kathy

I need some debt help. I filled out the form but the company that was suggested doesn't accept debts under 10,000 dollars. I only have 6,000 but really need help. Can anyone suggest someone I can call? Thanks.

I want to take some of the collection agencies to court for their inhuman way of transaction. Is it viable? thanks a lot

Has anyone had any dealings with IC Systems? Does anyone have a mailing address, fax number, etc. Thanks

I was curious if debt consolidators have fairly good success with collections agencies? Even if payments are over six months due???? They just seem to be so nasty...

I have filed bankruptcy, and have repeatedly asked one of my creditors to not call and direct all calls to my attorney. However, they continue to call. Does this violate my rights under the fdcpa? They do not yet have the case number, but I have instructed them that they may obtain this from my attorney. Please help!!! Thank you!

I'm trying to work with my creditors, but I'm unsuccessful. I need to consolidate my debt into one payment. How do I setup an account to do so?