You can stop them yourself if you are willing to do it....
Dealing with a collection agency is not a fun task for most. With the intimidating phone calls and threatening letters it is enough to terrify most anyone. That is why I am creating this guide to help people deal with collection agencies.
I am not an attorney but my advice will be based around the laws that govern collection agencies and personal experiences. My opinions should not be construed as legal advice, but as a layman's guide to dealing with a collection agency.
If you are willing to do a little work yourself you can make collection agencies stop calling you and get them off of your credit report and maybe pick up some cash from a collection agency that breaks the law.
FREE Ebook: Get Collection Agencies Off Your Back!
"If You Want To Get Collection Agencies Off Your Credit Report and Off Your Back... Read This Guide."Find Out Why Collection Agencies Does Not Want You To Read This Guide.
Are you being hounded by Collection Agencies? Does a charge-off, late payment, or collection appear on your credit report from Collection Agencies?
Did you know that you can eliminate that debt and erase it from your credit report?
It's true. In fact, in 37 days, I deleted NCO Financial, Sprint PCS, Bally Total Fitness, Wachovia, and other negative late payments and charge offs on my credit report.
Sign Up for Your Free Report:
* The 6 Credit Repair Myths Collection Agencies Doesn't Want You to Know About
* How Collection Agencies Gets Paid by the Big Companies
* How Repairing Your Own Credit Can Prevent Your From Losing Hundreds and Thousands of Dollars
* How to Reduce Your Debt to Pennies on the Dollar and in Some Cases Eliminate it All Together
Laws that Govern a Collection Agencies Action
yes our legislatures know that collection agencies suck too...
The Fair Debt Collection Practices Act is a Federal Law that dictates the behavior of collection agencies. It was enacted in 1978 with many revisions along the way.Your State may have laws that control the behavior of a collection agency as well. State laws are always more severe than federal law. So it is important to know which one has the most bite!
Here's my favorite link:
Lenses to Help You Deal With Collection Agencies
- Collection Agency Laws - Makes them leave you alone ....
- The Fair Debt Collection Act is the granddaddy of Collection Agency Laws if you use it to your advantage collection agencies will leave you alone.
- Collection Agecny Phone Harassment
- Allowing them to intimidate you and place you on the defensive is the exact goal that they are trying to achieve when they call you. How you deal with them may determine your piece of mind and your near term financial peace.
- Request Validation - Gives You a Breather
- Requesting Validation if Done Timely it Will give you a Hiatus from Collection Agencies Contacting You. One of the most important parts of dealing with a Collection Agency.
Take it With You
When Learning to Deal with Collection Agencies information is Power. The more you know the better off you are. While I am working on a definitive guide here at Squidoo you may want something that you can take with you or read in the john.
The Total Money Makeover Workbook
Amazon Price: $11.69 (as of 12/25/2009) 
The Total Money Makeover: A Proven Plan for Financial Fitness
Amazon Price: $15.74 (as of 12/25/2009)
Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
Amazon Price: (as of 12/25/2009)
Zero Debt: The Ultimate Guide to Financial Freedeom (Includes "How to Deal with Collection Agencies" Audio CD)
Amazon Price: $29.95 (as of 12/25/2009)
Financial Peace: Restoring Financial Hope to You and Your Family
Amazon Price: (as of 12/25/2009)
Have Question?
Do you have a specific question ask away.
Want to see a specific Collection Agency Exposed Let Me Know.
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- Nimisha Patel Nimisha Patel Apr 8, 2009 @ 10:00 am
- Collection Agency 'P.O Box 1839, Maryland Heights, Missouri, 63043' keep calling for the money that I owed to their client 'Carus Dental Rejouce' for dental service. Turly that was the mistake from the billing department of the dental office so I send paper with all the explanation on the billing charges for my daughter. Now they says OH!!!... The charges is not for your daughter dental service, it was for your dental service. Well, There was no service done for me for stated billing date. Collection agency do not want to here any things and mark my credit as "mark accordingly" for not paying the payment. does any one know what is "Mark accordingly" mean? and how to deal with this kind of situation? What are my options? This thing going on for last one year and truly I am seeking for help over this
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- Nina Nina Nov 13, 2008 @ 11:56 am
- A lawyer called stating he was taking us to court over non-payment of a medical bill. We have been making payments since recieving the first bill. We obviously can't pay the entire bill at once, but we pay what we can each month. Can they really sue us when we are making payments?
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- Nathan Nathan Nov 11, 2008 @ 4:03 pm
- hi, I received acollection letter for credit card debt (which I didn't know of) from 3/2006. the collection amount is $1998. I have no idea how it happened, but i guess we missed one payment. And we never go any letter from the CC bank before. anyways... I called Citi and they said the acount is not active and I should call the collection agency. I called the collection agency and wanted to know what was the ORIGINAL debt. how much I owed the CC bank originally. They of course refused to give the info. Now I don't know whether I should pay or not. The original debt might been $150 or $200... who knows. and how should I know what exactly they added there? They just refused to give all of this info. What to do now????
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- Jen Sperlak Jen Sperlak Oct 17, 2008 @ 3:51 pm
- I disputed a debt with a collection agency and they served me a subpoena, I guess to just file an answer. I hired an attorney and he filed our answer on 9/10/08. We still have not heard back from the opposing counsel and in the mean time they've added a negative mark on my credit. How can they do this if I am disputting and now we can't even get their attorney's to call my attorney back. Is this legal?
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- Wayne Wayne Oct 12, 2008 @ 12:37 pm
- I have been receiving calls from 7:30am through 9:30pm and every day of the week. Between what times can collection agencies call and can they call on every day of the week, including Sunday? Thanks for any and all information on this matter, it is greatly appreciated.
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- brian brian Sep 11, 2008 @ 6:00 pm
- what is the statue of limitation on collecting a debt? I'm still having collection agency's call me over debts i had over 10 years ago. They keep refiling it on my credit report.
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- brian brian Sep 11, 2008 @ 6:00 pm
- what is the statue of limitation on collecting a debt? I'm still having collection agency's call me over debts i had over 10 years ago. They keep refiling it on my credit report.
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- brian brian Sep 11, 2008 @ 6:00 pm
- what is the statue of limitation on collecting a debt? I'm still having collection agency's call me over debts i had over 10 years ago. They keep refiling it on my credit report.
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- Lisa Lisa Aug 19, 2008 @ 6:14 pm
- Can a collection agency legally take money from a bank account or credit union if they are trying to collect money from you without your consent?
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- Steven Steven Jul 10, 2008 @ 8:55 pm
- My landlord removed a working smoke alarm that I purchased with my own money and said it didn't work so he put up a cheap $5.00 one...what is the best way to demand payment from him removing a working smoke alarm?
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- Angela Young Angela Young Jul 3, 2008 @ 11:59 pm
- I co-signed on a car 4 my husband 2 drive n another state. He did not come return home & is soon 2 b my x. He purchased the car n 11/05, then totaled the car n 10/05 & stopped making payments n 11/06. The car was repossessed n 5/06. Up until a few days ago, I had no knowledge of this info as he told me nothing. A collection agency got n touch w/me about it. This was collection agency #3. I did not hear from the bank, or the other 2 agencies,ever. The contract apparently had my add. down as the same as my husbands.
BUT, I have worked 4 the same company 4 10 yrs, 9 1/2 yrs n Wn & 1/2 yr n Tx.
Here's my questions?
How can I fight this? The amt is now $6000. That I am sure includes late fees & interest upon interest.
Plus, do I hv a rt 2 get the car back.
Why wld a bank repossess a total car?
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- Diane Diane May 9, 2008 @ 2:30 pm
- I have a collection agency calling me all I have is a number no address, My question is can a collection agency charge finance charges and intrest.
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- Daniel Daniel Apr 3, 2008 @ 9:58 am
- Here recently a collection agency wiped my account clean without me knowing it. The person said he tried to reach me at an address that I lived at 6 years ago. What I don't understand is why they couldn't get the information from the bank to find out my current address. This was suppossed to have been garnished from my checks and was for 3 years. But when I changed to a new job and still held on to the other as a side job the garnishment stopped. I was never notified nor didn't think to check my stubs because I just assummed the garnishment was still being taken out. My question is why are collection agencies allowed to get into your account and take all of your money without any notification from the bank? This is very furiating.
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- Robert Robert Mar 11, 2008 @ 8:44 pm
- A collection agency, claims that I owe a Bank a small amount, under $100. The information I retreived from my credit bureau report listed that the dept was incurred on Dec. 2007, but I never had an account with the bank named, in 2007.
Without any contact what-so-ever from the alleged bank and the collection agency, the collection agency sumitted my name to a credit bureau as a collection account.
Has this credit bureau done something that is illegal? Can I sue them? Can I make a complaint to my local Condumer Affairs Bureau.
Thanks in advance,
Robert
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- April April Jan 17, 2008 @ 6:09 pm
- I have a collection agency who has called my home numerous times and spoken to me. However, they recently called my landlord looking for me. My name is not attached to the lease at this address, nor have I ever used my landlord as a reference. Is this something that they have a right to do? Does this mean they are now searching my address looking for a contact?
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- Lee Lee Jan 8, 2008 @ 7:55 am
- I have a agency telling me I made a payment on a debt back in 2004. I got copies of my past statements and there is no indication of this. My understanding there is a statue of limitations on collecting a debt. Can you varify. They have been calling me at work as well. What are my options.
by StoptheAbuse
Abuse is Rampant by serveral different types of organizations
While I am NOT an Attorney everything you find by me will be based on experience or fact....
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