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Collection Agencies
| Just like any business, there are legitimate collection agencies and rogue ones, too. Collection agencies should never threaten or torment you; it's against the law. If a collector is harassing you unjustifiably, send them our "Drop Dead" letter. Learn more about your rights here. | Helpful Guides and Links: Statute of Limitations Collection 'Drop Dead' Letter Legal self-help sites Talk: Customer Service forum Resources & Contacts |
Debtors' prison makes a return in some states
I've long said to you as an article of faith that there is no debtors' prison in the United States. However, I now have to eat my words because of a dangerous new trend where people are being thrown in jail over unpaid credit card debt that they may not ...
How to challenge errors on your credit report
devastating my credit score. Knowing that I didn't have any lien filed against me, I challenged this item by first going to the state court's website. On their site, I put in the supposed case number for the alleged tax lien and quickly confirmed that the case number did not ...
Get errors on your credit report fixed
There's a new cop on the beat overseeing the credit reporting industry. The Consumer Financial Protection Bureau (CFPB) is now accepting complaints if you've been put on ignore by Experian, Equifax, and TransUnion over errors on your credit report. The CFPB can assist with the following complaints: Incorrect information on ...
Know your rights with debt collectors
The phone rings for the 1,000th time and it's a debt collector again. Do you have any rights? What are they? When a debt collector harasses the wrong person, the law is not written to protect you. That's because it never occurred to the members of the U.S. Congress that ...
Are you being harassed over an old VHS rental late fee?
More than three million people are being harassed over debts of dubious origin from the defunct video rental chains Hollywood Video and Movie Gallery. When these chains went bust, their collection records were apparently in complete disarray. The collection agency that has been attempting to track down alleged debtors has ...
Hospitals stationing bill collectors in the ER
If you thought health care couldn't get any worse in America, I'm about to shock you. The attorney general of Minnesota is investigating allegations that some hospitals are sending third party debt collectors dressed as employees into emergency rooms. During triage, these collectors will run a credit check on you ...
Bogus collection calls coming from overseas
Imagine getting a call from India and being told to pay $500 on a suspicious debt or you'd be imprisoned and fired from your job. That's the situation more than 10,000 Americans found themselves in over the past two years, according to the Federal Trade Commission (FTC). The calls supposedly ...
Your rights when dealing with debt collectors
A leading debt-collecting agency has been fined for a pattern of unlawful attempts to collect on old debts. Asset Acceptance agreed to a $2.5 million settlement with the Federal Trade Commission. The firm had been trying to con people into making partial payments against expired debts. In some states, paying ...
Chase allegedly changed the amounts due on delinquent accounts
Agents of Chase Bank reportedly were jacking up the amount owed on some delinquent accounts before referring them out to third party collectors. This practice is called "pencil whipping." When an account would go delinquent, before it was turned over to a collection agency or outside lawyer to sue against ...
Big banks target grieving widows over debts they don't legally owe
The nation's biggest banks are specifically and strategically targeting grieving widows with harassing attempts to collect on the debts of their recently deceased husbands. Bank of America, Capital One, Discover and Citibank each have policies in place that allow their collectors to berate widows who have no legal obligation for ...
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