Comments on: The Fair Debt Collection Practices Act http://debtprison.net/wordpress/143/the-fair-debt-collection-practices-act/ Financial Opinion Wed, 08 Feb 2012 06:39:58 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Amy http://debtprison.net/wordpress/143/the-fair-debt-collection-practices-act/comment-page-1/#comment-13115 Amy Fri, 19 Aug 2011 19:39:50 +0000 http://debtprison.net/wordpress/?p=143#comment-13115 I recieved a phone call from a collection agency and I tried to set up a payment plan. They told me that my offer ($40/month) was not good enough and they were going to take me to court. Are they allowed to tell me what I'm able to pay monthly on this debt isn't "good enough"???? Shouldn't they be happy that I want to pay my debt at all!?!? I recieved a phone call from a collection agency and I tried to set up a payment plan. They told me that my offer ($40/month) was not good enough and they were going to take me to court. Are they allowed to tell me what I’m able to pay monthly on this debt isn’t “good enough”???? Shouldn’t they be happy that I want to pay my debt at all!?!?

]]> By: Samantha http://debtprison.net/wordpress/143/the-fair-debt-collection-practices-act/comment-page-1/#comment-12338 Samantha Tue, 14 Jun 2011 06:33:45 +0000 http://debtprison.net/wordpress/?p=143#comment-12338 When I was 18, my Mother told me that I needed to build credit and proceeded to shove forms in front of me and drag me around town to open various lines of credit (some that no 18 year-old needs, such as a Home Depot card). She kept the cards in her posession, bringing me to the store occasonally to sign for things in the begining and paying on time. When I moved out during college, I assumed that she would not use them. I continued to pay what I could (which was back then was nothing since the cards weren't used. However, several months later I got statements with $500.00-$1000.00 charges on them, she said she would pay. Being that she is my Mom, I thought she would stay true to her word. Now I am 30 with my own children, my husband and I were looking into buying a home only to find that not only has my debt risen to nearly $16,000.00, she's had a dillard's card under my social since I was an infant that she has managed to pay on time (not a joke, my credit report really states this in black and white) for the past 7 years! I have reported the Dillard's account to equifax, but I don't know what to do with the others, all in collections. If I go back, I know that I can prove that I did not sign for 90% of the charges, but I never took any action years ago when I recived the letters to dispute the debt. Can I still try or will it be friutless? I've talked to a few credit consulers but it all ends up with filing a police report or paying the debt myself. Some of the accounts have the dates of the last major deliquency from '07-'08, I'm in AZ, so does this mean the statute of limitations has past on these debts? Two of the debts aren't even on any 3 of my current credit reports, but I still get letters. I love my Mom, but I am also livid at the fact that she doesn't care to help with this at all. I don't want her to go to jail, I wouldn't mind if they garnished her wages though. I don't know which scenerio would occur, which is why I'm apprehensive about going that route. My extended family has told be that they have bailed her out of $20,000.00 + of debt, TWICE, and that they will not do it again, even if it is under my social. I'm lost, this is causing stress to my growing family and my relationship with my husband who, rightfully so, feels that it's not our responsiblitiy to pay. $16,000.00 might as well be $16,000,000.00 to us, it's is over half of what we make in an entire year right now. Sorry for the novel of a post, but I'm really losing hope. Is there a way to have these items removed without my Mom going to jail or my husband having a heart attack over the stress? I would greatly appreciate any advice. When I was 18, my Mother told me that I needed to build credit and proceeded to shove forms in front of me and drag me around town to open various lines of credit (some that no 18 year-old needs, such as a Home Depot card). She kept the cards in her posession, bringing me to the store occasonally to sign for things in the begining and paying on time. When I moved out during college, I assumed that she would not use them. I continued to pay what I could (which was back then was nothing since the cards weren’t used. However, several months later I got statements with $500.00-$1000.00 charges on them, she said she would pay. Being that she is my Mom, I thought she would stay true to her word. Now I am 30 with my own children, my husband and I were looking into buying a home only to find that not only has my debt risen to nearly $16,000.00, she’s had a dillard’s card under my social since I was an infant that she has managed to pay on time (not a joke, my credit report really states this in black and white) for the past 7 years! I have reported the Dillard’s account to equifax, but I don’t know what to do with the others, all in collections. If I go back, I know that I can prove that I did not sign for 90% of the charges, but I never took any action years ago when I recived the letters to dispute the debt. Can I still try or will it be friutless? I’ve talked to a few credit consulers but it all ends up with filing a police report or paying the debt myself. Some of the accounts have the dates of the last major deliquency from ’07-’08, I’m in AZ, so does this mean the statute of limitations has past on these debts? Two of the debts aren’t even on any 3 of my current credit reports, but I still get letters. I love my Mom, but I am also livid at the fact that she doesn’t care to help with this at all. I don’t want her to go to jail, I wouldn’t mind if they garnished her wages though. I don’t know which scenerio would occur, which is why I’m apprehensive about going that route. My extended family has told be that they have bailed her out of $20,000.00 + of debt, TWICE, and that they will not do it again, even if it is under my social. I’m lost, this is causing stress to my growing family and my relationship with my husband who, rightfully so, feels that it’s not our responsiblitiy to pay. $16,000.00 might as well be $16,000,000.00 to us, it’s is over half of what we make in an entire year right now. Sorry for the novel of a post, but I’m really losing hope. Is there a way to have these items removed without my Mom going to jail or my husband having a heart attack over the stress? I would greatly appreciate any advice.

]]> By: Debt Prison http://debtprison.net/wordpress/143/the-fair-debt-collection-practices-act/comment-page-1/#comment-11713 Debt Prison Sun, 10 Apr 2011 12:07:04 +0000 http://debtprison.net/wordpress/?p=143#comment-11713 Matthew, Even if it's past the 30 day period I would still request validation of the debt. NCB Management: You need to find out where their office is located. Try taking a look at your credit report and see what it shows on there about the collector http://annualcreditreport.com Barry Matthew,

Even if it’s past the 30 day period I would still request validation of the debt.

NCB Management: You need to find out where their office is located. Try taking a look at your credit report and see what it shows on there about the collector

http://annualcreditreport.com

Barry

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