Sorry I havent been around in a while, but any help on this would be great. I had an internet pdl that defaulted many months ago for I lost my job. The pdl was UPFRONTPAYDAY.COM. They had sold my debt to a collection agency called National Credit Adjusters. My loan was for $300 and they now want $760. My issue is that the collection agency reported it on my credit report. When I filed a dispute with Experian, they came back to me saying they looked into my dispute and according to the collection agency it is a valid debt. How can I get this off my Credit Report legally since the IPDL is illegal in my state of New Jersey.
They are on my credit report from a debt back in 2006. I have disputed this with that company I had the agreement with. I dont have a debt with National Credit Adjusters or any agreements with them. They called to threaten me on the phone, stating that we will verify information, locations and employment information and garnish wages to payoff debt. WHAT??????? I dont think they can do that, can they? Its not child support... its a freaking Gym membership, come on now, how many of us get caught in those? But to take away the little income i do have, should i get an attorney?
thank you
Sub: #41 posted on Mon, 03/01/2010 - 17:04
Here's my question. Do I have to deal with NCA or can I send them a letter stating that I will deal with the original creditor and not them? I don't want to deal with any collection agency, just the original creditor.
Is there any information on that? I'd really appreciate it. Thanks!
Sub: #42 posted on Mon, 03/15/2010 - 20:11
Thanks!
Sub: #43 posted on Tue, 04/27/2010 - 13:48
Here's my question. Do I have to deal with NCA or can I send them a letter stating that I will deal with the original creditor and not them? I don't want to deal with any collection agency, just the original creditor.
Is there any information on that? I'd really appreciate it. Thanks!
If your company sold your debt to a debt collection company, then you now owe the collection company. Some companies sell their old debts for pennies on the dollar, so the collection company has a lot of motivation to collect the money (they get 100% of whatever they collect, since they now OWN the debt).
If the collection company is collecting the debt on behalf of the original creditor, then you should be able to deal with them directly, as they will still receive a portion of what you pay back.
Sub: #44 posted on Tue, 05/11/2010 - 10:45
Sub: #45 posted on Wed, 05/19/2010 - 12:57
National Credit Adjusters, has been trying to harass me for years, this company loves to break rules! The have tried scaring me by telling me they would contact my Human Resource dept and have my wages garnish, nice try!!! They have called and used profanity over the phone screaming at me expressing how awful of a person I am. Threat after threat you named it they have verbally tried to rip me apart, for that reason they are the only company I will never pay a cent to. I was sold an account on top of another account without being aware of it. The sales rep changed all of my demographic info in the company's system so I never received a call or a bill by mail. The only thing he left was my date of birth, social security number and full name. Then NCA (National Credit Adjusters) began reporting on my credit report. Like I said ???I will never pay them 1 cent"
Sub: #46 posted on Wed, 05/19/2010 - 12:58
Sub: #47 posted on Sun, 09/12/2010 - 16:47
Sub: #48 posted on Fri, 01/07/2011 - 08:08
Sub: #49 posted on Thu, 02/03/2011 - 23:08
Sub: #50 posted on Fri, 02/04/2011 - 05:29
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