Comments on: How to deal with Collection Agencies http://debtprison.net/wordpress/48/how-to-deal-with-collection-agencies/ Financial Opinion Tue, 15 May 2012 21:13:32 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: ashley bauer http://debtprison.net/wordpress/48/how-to-deal-with-collection-agencies/comment-page-1/#comment-13888 ashley bauer Wed, 18 Apr 2012 17:02:33 +0000 http://debtprison.net/wordpress/?p=48#comment-13888 I did not receive a collection letter from CREDITWATCH that was address to a place that I have not lived at since 11/10, I was unaware of the debt/collection. They reported to my credit report this Feb, found out when i went to purchase a home. Now i have received an additional collection letter from AFNI, at my current address, for the same debt. i am submitting validation letters to both agencies. - my question is...Can i get the debt removed from my credit with a validation letter, that the account is not mine? Its for $316, I will pay it if necessary, but this is not my account. I just want it removed from my credit, this is really impacting my interest rate! I did not receive a collection letter from CREDITWATCH that was address to a place that I have not lived at since 11/10, I was unaware of the debt/collection. They reported to my credit report this Feb, found out when i went to purchase a home. Now i have received an additional collection letter from AFNI, at my current address, for the same debt. i am submitting validation letters to both agencies.

- my question is…Can i get the debt removed from my credit with a validation letter, that the account is not mine? Its for $316, I will pay it if necessary, but this is not my account. I just want it removed from my credit, this is really impacting my interest rate!

]]> By: Staci http://debtprison.net/wordpress/48/how-to-deal-with-collection-agencies/comment-page-1/#comment-13669 Staci Thu, 15 Mar 2012 15:02:56 +0000 http://debtprison.net/wordpress/?p=48#comment-13669 In 2011 my husband got a call from a collection agency regarding a credit card debt that had from 1996. The guy on the phone was being very threatening and saying he bad paperwork all set to take him t o court and get a judgement and garnish he wages. My husband had no knowledge of this debt but figured it was frim when he was married previously. We trusted that this was a very serious situation and could not afford to have his wages garnised. He areed to a payment plan even though we were tight on money due to paying student loans in the rehabilitation process. Now I find out that the statue of limitations in our state (wisconsin) was far past and this guy was basically lying since he had no legal right to take him to court in the first place. Two questions...is there a way to request a copy or transcript of the recorded call? What can we do now that we know this guy was deceiving my husband in his attempt to get payment? We have stopped paying and are extremely angry about this. In 2011 my husband got a call from a collection agency regarding a credit card debt that had from 1996. The guy on the phone was being very threatening and saying he bad paperwork all set to take him t
o court and get a judgement and garnish he wages. My husband had no knowledge of this debt but figured it was frim when he was married previously. We trusted that this was a very serious situation and could not afford to have his wages garnised. He areed to a payment plan even though we were tight on money due to paying student loans in the rehabilitation process. Now I find out that the statue of limitations in our state (wisconsin) was far past and this guy was basically lying since he had no legal right to take him to court in the first place. Two questions…is there a way to request a copy or transcript of the recorded call? What can we do now that we know this guy was deceiving my husband in his attempt to get payment? We have stopped paying and are extremely angry about this.

]]> By: Ej http://debtprison.net/wordpress/48/how-to-deal-with-collection-agencies/comment-page-1/#comment-13532 Ej Sat, 04 Feb 2012 13:55:31 +0000 http://debtprison.net/wordpress/?p=48#comment-13532 Please if you can help I would gladly appreciate it. I was in the process of buying a house last year good day before the closing, I was told I would not be able to close because I had a judgement against me that was not on my credit report but it was in county records. they urged me to set up payment plans but it turns out even though I did it would have to be paid in full to be able to buy the property so I decided to wait for two years buy a property. I started paying my debt, which is over 7 years old. should I still be paid on this. I understand if I dont I will never be able to buy a house but I don't think I want to anymore. has this reached statute of limitations? Please if you can help I would gladly appreciate it. I was in the process of buying a house last year good day before the closing, I was told I would not be able to close because I had a judgement against me that was not on my credit report but it was in county records. they urged me to set up payment plans
but it turns out even though I did it would have to be paid in full to be able to buy the property so I decided to wait for two years buy a property. I started paying my debt, which is over 7 years old. should I still be paid on this. I understand if I dont I will never be able to buy a house but I don’t think I want to anymore. has this reached statute of limitations?

]]>