NEVER PAY A COLLECTION COLLECTION AGENCY UNTIL YOU SEE THIS

To pay or not to pay that is the question...

Paying a collection agency may not be the best way to repair your credit or protect your privacy. There are situation that you may find your self in and have to pay a collection agency to to accomplish a short term goal such as buying or refinancing a home.

If you are just in general collection agency hell then paying may do you more harm than good. While I would NEVER PAY A COLLECTION AGENCY. How you wish to handle your individual situation is a personal choice.

If you do need to pay them off make sure you do it in a way to not cost you future heart ache and pain...

There is a way to get them off of your back though.

FREE Special Report "How to Get Collection Agencies Off Your Back!"

This free report reveals the secret to getting them off of your back fro once and for all

"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 To Take Your Money and How to Beat Them At Their Own Game
* 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

Do's and Do not's on Paying a Collection Agency

there is a right way and a wrong way to pay them

If you are trying to accomplish a goal such as buying a home and a condition of a loan requires a collection account to be paid off and you do not wish to postpone the transaction be careful in how you handle it.

You may be doing the right thing and it cause you more problems than it is worth.

Don't give a collection agency your credit or debit card number or checking information over the phone. There are to many stories on the Internet where people have paid collection agencies this way and dishonest collection agency personnel misuse this information.

The best way to pay them is with a money order or through a third party such as a closing agent or attorney.

If they insist you use quick collect or money gram chances are you are being scammed plus the fees for these services are draconian. Buy a money order and overnight it to a specific contact at a collection agency the cost of this should be less.
Do make them put it in writing that you will never hear about this debt again especially if it is a reduced payoff!!

Many times collection agencies will offer you a reduce payoff on a debt only to resell the portion you did not pay. There are many collection agencies that are in the business of buying old debts and "deficiencies" like this get packaged into portfolios of junk debt.

A debt that you clear today may pop up on you years down the road.
Do ask them to delete the trade line. You may be able to accomplish this towards the end of the month when they are trying to close out their numbers. You have always heard that the best day to get a good deal on a car is the last day of the month. It is the same with a collection agency.

Because you are not going to give them financial information over the phone start a few days early. If they agree to this make them put it in writing!!
Never take anything they say over the phone as reliable it bears repeating. Do not give financial information over the phone and make them put everything in writing!!

There is no debtors prision

If you are in collection hell and have no immediate goal of home purchase and you have some time to deal with you financial woes. The best advice is to get Dave Ramsey's book financial peace and start looking at way to enforce your rights allowed by Federal and State laws when dealing with a collection agency.

While this is a moral mind field it is not illegal to owe money. It is illegal to be harassed because you do. This country was a penal colony where people got 'transported" because of debts or crimes.

If a collection agency harasses you on the phone and threatens legal problems such as jail it is time to hold them culpable!!

Here's my favorite link:

Click Here To Get Your FREE Special Report

Don't Let a Collection Agency Take Advantage of You...

know your rights....

Knowing your rights is important if you are receiving a barrage of letters or phone calls from collection agencies.

We are trying to bing all together for you in one place.

Stop Collection Agency Phone Calls: Dealing with a Collection Agency is not a fun proposition if you are not aware of your rights. 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 in the near term.
Request Validation - Drive a Collection Agency Nuts: If a collection agency is coming after you, protecting your rights under the Fair Debt Collection Practices Act (FDCPA), may be as simple as writing a letter. Many times debt collectors are collecting on old debts with no way to verify that the amount they claim you owe is accurate or that they have the authority to collect it. make them prove it!!
Collection Agency Laws: 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. Education is the key to dealing with collection agencies. If you take the time to poke around here you will find information and links on how to deal with with collection agencies.
People First Recoveries: Debt collectors describe how they do their jobs--and why they prefer calling your relatives and neighbors! This collection Agency People First Recoveries - IDT Carmel seems to continually violate laws and they don't mind bragging about it.

Guides for making a collection agency cry uncle

You have rights and a collection agency and their debt collectors do not want you to know the truth. Become an informed consumer..

Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know

by: Richard L. DiMaggio

Amazon Price: (as of 12/20/2009)

Blogs from the Net Dealing with Collection Agencies

Exposing Collection Agencies for What They Are: Why I Do This:

Educating others so they do not allow themselves to be taken advantage of is a personal goal of mine.
FBCS Collections Breaks the Law | Federal Bond and Collection Violates the FDCPA: Before you deal with these knuckle heads know the truth. They break the law and try to collect on out of statute debt.
Midland Credit Management | Unethical Junk Debt Buyer: MCM is one of the largest Junk Debt Buyers out there. They are now entering the arbitration game to coerce consumers into paying uncollectable debts.
Resurgent Capital Breaks the Law: They like to make people pay up. Now it is their turn to pay up for violating the Fair Debt Collection Practices Act
My Dispute with Stanley Weinberg & Associates: This blog will be dedicated to my dealings with Stanley Weinberg and Associates and how they violate the FDCPA and my pending legal claim.
Blogging your way to debt resolution: Blogging your way to debt resolution
If you are reading this blog you have the ability to strike back against collection agencies that have broken the law and have violated your rights. All you need is a computer and an internet connection.

Do you find this helpful or have a question

or plain disagree?

Let me know please.

submit

Reply

Not so bad Not so bad Dec 17, 2009 @ 9:34 pm

With all the new laws in place... most collectors are not that bad they may have been at one time but nobody wants to be sued nowadays... yeah u may recieve multiple calls to your house, office or cell but that is the automated system dialing those numbers randomly not a individual person... Like with any other profession not everyone is going do their job the way they are suppose to but you can't classify all collectors as the same that is just absurd... how would you feel to on a daily basis be hung up on, cussed out and spoken to in the most rude and disrepecting ways being called names you would never stand for in a face to face conversation and still be expected to deal with the call in a calm and professional manner.. Just like any other american we are just trying to make a living and take care of our familes... if everyone paid their bills that they created there would be no reason for collection agencies however they dont so collections is a necssary evil... the old saying still applies you get more with sugar than you do with salt and this holds true for collections the best collectors are usually not the rude ones and there are some rude ones.... in my experience the frustrated debtor initiates the call going into a negative manner... We are mediators just trying to resolve a issue that is fair for our client and the debtor, sometimes without all the facts and thats not our fault but if the debtor would take the time to try to get the correct infromation across the issue probably would get worked out... people love to bash collectors but if the just look in the mirror and man up they would realize this is a situation they created... noone made them sign their names on those contracts but the individual themselves and when its time for repayment they try everything to deflect the attention from the fact that they are reneging on their obligation !!!! Just food for thought!!

Reply

Dee Dee Dec 17, 2009 @ 1:09 am

wondering if collection comapnies can ONLY offer one form of payment. I am leery of giving my banking information to have my payments deducted automatcally from my account. i have heard such horror stories. I advised I would send in money order each month to be received by arrangement due date. They told me no, only way to pay is bu them auto debting my account, they do not take money orders OR mailed check payments. On top of that, I have to pay $8 processing fee each deduction.
Is this legal ?

Reply

Cha-Cha Cha-Cha Nov 16, 2009 @ 5:54 pm

Do Your Homework. Most, and I repeat, "most" of the originators of your debt, although in collections, will still work with you and "call off" the headhunters. As collection agencies literally will rape you with costs, eg a $70 medical debt, may end up through a collection agency as close to $300. I believe this should be illegal. Again, even if you received a collection notice, #1 you control the guidelines! Most collectors will not provide you the origination nor original amount of debt they are collecting for, especially when it's sold and sold and sold and sold (this is the collection company's way to keep it on your credit report). Go back through your credit report or if you know where the original debt came from, contact them, see if there is an arrangement you can make directly with them. If this is ineffective, in such cases as hospitals, get a copy of the original billing and NEGOTIATE with the collection agency! Upon making a final payment to a collection agency, submit in writing, a request to abolish or mark as paid within 30 days on your credit report. Keep a copy and watch your credit report. It can be done if you have the time and the money. Don't allow them to "rule" your life.

Reply

Oddly So Oddly So Dec 9, 2009 @ 9:04 pm

There are FDCPA regulations that allow collection firms to charge interest (typically 8-10%) of the balance. As I had mentioned below, if a law firm collector has your file, they equally have their bases covered. They are trained on FDCPA, have validation letters at a touch of a button and have the ability to approve certain settlements and plans (but they need the creditor approval first). Overall, people didn't pay their bills. Sure, there are things in life that can't be controlled, but pushing aside responsibility and blaming, is ridiculous. Understanding, you can't forget a 10 year old debt (because you think it's old) doesn't mean the creditor hasn't filed a lien that could be renewed every 7 years. There is NO statue of limitation on a lien file. Addressing your debt issues early will prevent these matters later.

Reply

Rick L. Rick L. Nov 9, 2009 @ 12:12 pm

I have been receiving calls from an "unknown" number. They leave a message, for my wife about an important business issue and please call "so and so" at 1-800-371-1321. I called to see what was up and the person on the other end answered "this is linda how may I help you?" No indication that I was calling a collection agency. I just hung up. The 800 number belongs to Missouri Medical Collections. I am wondering if you or others have had problems with them in the past. A while back they tried to get me to pay on someones account that had the same name as me. I caught them on this one. Whether I owe or not is not the issue I have, it's the deceitful practice that Missouri Medical Collections uses. Should I just ignore them or should I confront them and file charges?

Reply

me me Nov 5, 2009 @ 2:12 pm | in reply to THE COLLECTOR

I got a medical bill last year, when I called the lab company they told me that I could make a payment plan but that they had a company dealing with payment arrangements, That is when they make me call Steven Business Services. They did a payment plan and everything was good for about 7 months when suddenly they lost one of my checks (payments) and now all of a sudden they wanted the full amount!!!! Why? it was not my fault!!! so they called me and called me, I tried to contact the lab company complaining, cause my intentions were there but this bastards did it on purpose! so here I am, I refuse to pay the entire amount (besides that I do not have the money) and they call 30 times a day and I guess It will affect my credit. BUT I KNOW SOMETHING! This was all on purpose! They were sick of my on-time payments ... they just want it all..... F^&*^&^ck them!

Reply

justobserving justobserving Nov 4, 2009 @ 2:24 pm

Just a tip...don't call someone a "dumb ass" about spelling and then have spelling mistakes in your message. Unless "ponding" is a new way of spelling pounding?

Reply

Daddy Paul Daddy Paul Nov 1, 2009 @ 2:41 pm | in reply to THE COLLECTOR

What sort of an idiot are you? Learn to spell dumb ass! Lucky you found a job with your education.....bla bla bla,,,,,,,many of you collectors have worse credit then the poor bastards you try to collect from. Truth is you feed off the bottom! Most of you don't give a shit if a debt is valid either you just start ponding on people. Come on face the truth Collector, if you could have a real job you would by now. I bet you make about $10.00 an hour...................Mommy must be proud of you!

Reply

Gerry Jones Gerry Jones Nov 1, 2009 @ 10:14 am

Transworld Systems is one of the largest and aggressive collectors in the world. From personal experience I have found that they are wrong on the amounts (like I owed zero after my insurance fpaid), but they kept calling my home. I found that calling/email their executives at home, while it did not make it stop, was still very satsfying. One I found on the internet is Kenneth Eissing. His personal email address is keissing1@yahoo.com.

Reply

Laura Laura Oct 29, 2009 @ 11:49 pm | in reply to THE COLLECTOR

What if the collections agency was told by the credit card company that you refused to pay and they aren't telling the truth. I paid 277.00 for 10 months and was told by the credit company that because I did that my payments would go down. By the end of the next month I was being yelled at by the credit card company that I owed them 354.00. I asked why and what was told to me the month before and they said that the guy was wrong. I told them I could pay them on the first of the month--because I only get paid once a month and he said he would get back to me and then all of a sudden it's with a collection agency. What happens then.

Reply

annikay annikay Oct 23, 2009 @ 7:04 pm

Kristi,

In most states a collection agency can communicate with the spouse. Check your state laws to find out what is required in your state. Your husband is correct, he cannot be pursued while he is deployed, but the debt does not go away. Sooner or later it will need to be dealt with. As far as their settlement offer is concerned, despite what a collector may tell you, settlements are at the discretion of the agency or the collector. Many companies will offer settlements if they have exhausted all other efforts to collect the debt. They may also accept terms in regards to those settlements (payment arrangements), especially if they have been walking a thin line regarding their collection efforts and you can prove it. Check out the FDCPA and your states collection laws. If they are doing anything that even smells like it might be illegal, get documentation (get a recording) and use it as leverage to negotiate the deal you want, not just what they are willing to give.

Reply

THE COLLECTOR THE COLLECTOR Oct 21, 2009 @ 1:47 pm | in reply to CAN U SPELL WRITE OR KNOT?

IF YOU ARE SO EDUCATED THEN WHY ARE YOU NOT PAYING YOUR BILLS BUT CORRECTING MY SPELLING.... AND IM THE JURK?

Reply

CAN U SPELL WRITE OR KNOT? CAN U SPELL WRITE OR KNOT? Oct 20, 2009 @ 9:03 pm | in reply to THE COLLECTOR

YOUR COMMENT " I DO UNDERSTAND THAT SOME AGENCYS USE SOME TACTIS THAT ARE NOT LEGAL BY THE FDCPA, BUT IF YOU ARE IN THAT SITUACTION THEN ASK FOR A MANAGER. " JUST PROVES THAT YOU AND ALL OTHER COLLECTORS SUCK, YOU CANNOT EVUN SPEL LIKE A SCHUL CHILD YOU JURK!

Reply

Idiot Collectors Idiot Collectors Oct 19, 2009 @ 6:38 pm

What annoys me is that a company sends something to collections becasue they say you owe them money, however ever if you dispute the claim they forward it to collections thinking that you will be forced to pay. Now I am not refering to people that stopped paying on credit cards or actuall money they receved from a bank. I am speaking of contract disputes, or repossesed property that was sold at auctions for a fraction of it's cost. Their the idiots that sold something for a drastically reduced price not me. Any way I want to know how an individual like me can place a collections account against a bank. I want my tax money back from these banks and I don't think they are paying it back at an acceptable rate. Seriously, how do I place a collections against them????

Reply

Tom NJ Tom NJ Nov 17, 2009 @ 3:23 pm

One thing collection agencies don't won't anyone to know is that if you ask them for thier fax number or mailing address you can that simply write a short letter that you want them to "cesase and disesce". They have to stop calling you. They will give the debt back to the company that is owed the money and will not annoy you any more. It works...

Reply

Oddly So Oddly So Dec 9, 2009 @ 8:59 pm

Actually, depending on the collection firm and state laws, you may be horribly wrong. You may certainly send a CEASE AND DESIST letter but this only forces (especially if a law firm collector has your file) to file a lawsuit and pursue judgment, which included garnishments or a bank garnishment. Collections is certainly deeper now that law firms have began collection floors. They typically demand from the creditor they send the contract due to FDCPA regulations. I would recommend never ignoring a collection letter or thinking a cease and desist will mean to not file a lawsuit. It simply means they will no longer call or mail you regarding collecting the debt, but they can mail you in regards to a lawsuit.

Reply

In Repair In Repair Oct 16, 2009 @ 6:06 pm

Medical Debt, Credit Card Charge-Offs and Untility Collections
At one point I had 21, yes twenty one collections on my consumer file.
Since 80% were almost five years into the 7 years 180 Days since collection activity started, i decided to ride out the next few years and not pay anything. This was 1 1/2 yrs ago.
Since the decision:
I have one student loan and 5 low-limit credit cards
I do not miss payments. Ever.
I'm looking forward to the days when the collections will begin to drop from my file leaving only the good-standing revolving and instalment trades.
Between now and then...I'll just deal with the constant phone calls to my cell, office desk, relatives, letters sent to every address I've ever lived at.
I'm crossing my fingers that I make it to the finish line without judgements within the SOL period.

Reply

THE COLLECTOR THE COLLECTOR Oct 12, 2009 @ 9:38 am

Continue.....
TRUST ME WE ARE MORE WILLING TO WORK WITH YOU IF YOU ARE WILLING TO WORK WITH US. WE WOULD RATHER GET SOMETHING OUT OF YOU THEN NOTHING. AND ONE MORE THING... WHY DO YOU FELL THAT YOU ARE INTITLED TO GET THE TRADE TAKEN OFF YOUR CBR? YOU ARE THE ONE WHO DIDNT PAY IT WHEN IT WAS DUE. ALSO THIRD PARTY COLLECTION AGNCEYS HAVE NOTHING TODO WITH CBR REPORTING. ALSO STOP USING CCCS AND DEBT SETTLEMENT COMPANIES BECAUSE MOST MAJOR CREDITORS WILL NOT WORK WITH THEM ANYMORE, SO YOU WILL HAVE TO WORK WITH THE COLLECTION AGENCY ANYWAYS. ONE MORE THING... PLEASE STOP SCREAMING AT USE WHEN WE CALL YOU TO PAY YOUR LEGAL OWED DEBT....THANKS!

Reply

collector basher collector basher Dec 4, 2009 @ 8:58 am

Collection of any debt is not legal when the junk debt buyer/colector cannot prove he owns or has been assigned that debt via chain of title that reaches unbroken to original contract. Most of jdb-collectors cannot prove it. I KNOW! Most do not care to understand the meaning of NO. We wrote the Certified return receipt dispute letters in timely manner & logged all their calls & transcribed all their lies. We DO NOT engage in any convo with them except to ask their name, company location etc. We NEVER divulge ANYTHING! I KNOW this for a fact. I finally found local South Carolina attorney; expert in US Federal Fair Debt Collection law who took action in Spring 2009 w/ NO $ up front. On two separate matters, lawyer immediately filed suits in local district of US Fed Court for violations of FDCPA. The junk debt buyers & collectors immediately begged to settle. We did; lawyer & we split 50:50. We walked w/ $10,000 USD & never entered Court & never deposed. SWEET! So mr & ms collector ... most of whom have no morals/scruples ... you got squat while we got paid. Here's a real tip for y'all getting harassed by jdb's collectors ... document what they do, dispute them certified also demanding Do Not call. Then wait for them to violate Fed & State law. Do NOT expect your reporting FTC or BBB to gain you a thing. So YOU get a lawyer to SUE their butts. Make them pay YOU. Merry Christmas to all except the scum who chose to work in junk debt-collections.

Reply

BigMo BigMo Dec 8, 2009 @ 11:29 am

Hey can you tell me who that attorney is in SC?
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Recent Consumer Reviews of Collection Agencies

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Avoid these debt collectors..

Borrowed from www.budhibbs.com

Mr Hibbs has a large list of collection agencies to avoid. If you are dealing with any of the agencies below be extremely careful.

1-866-857-3916

Academy Collections

Account Management Services

Account Solutions Group

AFNI Anderson Financial Network, Inc.

AGRM, LLC

AIS Services, LLC

Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC

All American Financial Associates

All Debt Traders, LLC

Allen, Lewis & Associates, Inc

Alliance One, Inc

Allied Interstate, Inc.

Allstate Financial Services dba Allstate Adjustment Bureau

Aman Collection Service

American Acceptance

American Coradius, Inc.

American Credit Collections, LLC,

American Debt Services

American Legal Recovery

Ameriquest Recovery Services

AM Mortgage Brokers

AMO Recoveries

Anchor Receivables Management

Ariel Financial Services

Arrow Financial Services

Ascent Card Services, LLC

Asta Funding

Asset Acceptance Corp.

Atlantic Credit & Finance

Aurora, Gold & Associates, LLC

Baker, Lawrence, Attorney

Barnes, Curtis, O. Con-America

Bamford, Thomas K./Elder, Timothy L.

Bass and Associates

Baumann Law Firm

Bay Area Credit Services

Bennett & DeLoney, PC.

Blatt, Hasenmiller, Leibsker & Moore

Booth and Associates

Booska, Steven A.

Bronson & Migliaccio, LLP

Buffaloe & Associates, Lawyers

Burgess, Douglas R.

Burak, Donald S. Attorney

The Bureaus, Inc.

Burke, Edward T. & Assoc, P.C.

Brachfeld & Associates, P.C.

Brumbaugh & Quandahl

CACV aka CACH, LLC

C. Barry & Associates, LLC

Caferella, Jason J., Attorney

California Financial Credit Association

Cambece, James A. aka/Tough Tony

Capital Management Services

Capital Recovery Services Group

Cavalry Portfolio Services, LLC

Check and Merchant Services

Civil Claims Asset Investigative Services

Client Services, Inc.

Cohen & Slamowitz, LLP

CMC Recovery Services, Inc.

Collect America, CACV aka CACH, LLC

Collect Corp Inc

Collectech Systems, Inc.

Collins Law Office

Colonial Credit Corporation

Commonwealth Financial Systems

Consumer Credit Association

Consumer Recovery Associates

Continental Credit

Convergys

Corbett Law Office - Patrick Michael

Costal Asset Management Group

CPS Investigations

Credit Collection Service

Credit One, LLC

Credit Services, FAIC

Credit Systems International

Credit Recovery, dba as Boivin, Lawrence R., Lawyer

Creditors Financial Group

Creditors Interchange Rcvble Mgmt, LLC

CRS Capital Recovery Services

CSGA. LLC

C. Water Recoveries Also see www.giovelawofficeexposed.com

Daniels & Norelli, P.C. (Con America)

DeJana, Richard

Delta Group aka Joseph, Ortiz & Epstein, LLC

DeLoney Law Group, PLLC

Dendy, Michael D.

DMG Consulting

Ebbets Partners

Elder, Timothy L./Barnford, Thomas K

Elite Recovery Services, Inc.

Ellis Crosby and Associates

Empire Recovery Group

Encore Capital Group

Encore Receivable Management

Endeavor Financial Partners, LLC

ER Solutions

Eskanos & Adler, PC

Estate Recoveries

Evans Law Offices

Financial Credit Services

FBCS Federal Bond & Collection Service

Federal Credit Recovery/FCR Offices

First American Investment Corporation

First Revenue Assurance

FNBM, LLC

Genesis Financial Corp.

Go-More Financial, Inc.

GC Services

Gemini Recoveries, Inc.

Giove Law Office, P.C.

Global Acceptance Credit Company (GACC)

Global Vantedge

Goggins & Lavintman, PA

Gulf State Credit

Great Seneca Financial Corp.

Greenberg & Associates

Greenman and Donahue, Inc.

Gurstel, Staloch & Cargo

Hanna, Frederick J. & Assoc.

Harker, John W. CACV

Harris & Dial, PC

Harrison Ross Byck, Esq.

Hosto and Buchan

Houston Funding Corp.

Hudson & Keyse, LLC

Hull & Associates, P.C.

Integrity Resolution Group, LLC

Javitch, Block & Rathbone LLP

Jefferson Capital Systems

Joseph, Ortiz & Epstein, LLC aka Delta Group

Kay, Mitchell N., P.C.

Kretschman, Brenda Lee

The Law Center

Lang, Richert & Patch

LDG Financial ServicesII, LLC

Leading Edge Recovery Solutions

Leasecomm Corporation

Legal Recovery Services, Inc.

Lenahan Law Offices CLOSED, but still operating see www.giovelawofficeexposed.com

Linebarger, Goggan, Blair & Sampson, LLP

Love, Beal & Nixon, PC

Lowery, Scott P., P.C. aka CACH, LLC

LTD Financial Services, L.P.

LVNV Funding, LLC

Magnus Services, Inc.

Mann-Bracken, LLC

Marauder Corporation (America's Dumbest!)

Marshall & Ziolkowski

McKelvey Law Office

Meadows Law Office - Sheree Meadows

Mel S. Harris & Associates

Mercantile Adjustment Bureau

Merchant's Credit Guide Co.

Meridian Management Solutions

Messerli & Kramer

Midland Credit Management, Inc.

Minority Legal Network

Mims, Jerry M., Lawyer (formerly BANKRUPT)

Moore, Gerald E. & Associates

MRS Associates, Inc.

Myers & Porter, Attorneys

National Action Financial Services, Inc.

National Acceptance

National Asset Management

National Asset Services Co

National Attorney's Network

National Credit Adjusters

National Enterprise Systems

National Financial Systems

National Revenue Corporation

Nationwide Capital Recovery

Nationwide Credit, Inc.

NCO Financial Systems

Neuheisel Law Firm, PC

New Horizon Credit, Inc.

New Vision Financial

North American Asset Recovery

North Shore Agency

North Star Capital Acquisitions, LLC

Northeast Credit & Collections

Nu Island Partners, LLC

Omnia Credit Services

O'Neill Management, Inc. Investigators

Ozark Capital Corporation

OSI/Outsourcing Solutions

Pacific Coast Collections (Alliance One)

Palisades Collections, LLC

Peak Financial Services, LLC

Pennisi, Daniels & Norelli

Performance Capital Management

Phillips & Burns, LLC

Phillips & Cohen Associates, Ltd.

Pinnacle Asset & Capital Management Grp, LLC

Pinnacle Financial Group

Plaza Associates

Portfolio Exchange

Portfolio Management of Amherst, LLC.

Portfolio Recovery Associates, LLC

Preferred Platinum Plan aka Porn Collectors!

Prime Asset Recovery, Inc. Also see www.giovelawofficeexposed.com

Pro Collect, Inc.

Quadrant Group LLC - The Recycle Shop

Ranieri, Christopher, Law Office of

RCS Centre Corp

Redline Recovery Services, LLC.

Regent & Associates, P.C.

Rannefeld, Blue W. Attorney

Resurgence Financial, LLC

Resurgent Capital Services/Sherman

Reynolds & Jacobson, Attorneys?

Riddle & Associates

RJM Acquisitions, LLC

Roach, Larry, Law Offices of

Rosenthal & Colby, Inc.

Sagres Company, (the)

SC Associates

Scherr, Harold E. , Attorney 'Con-America'
Scott, Michael J., PC
Shekinah, Inc

Sherman Financial Group/Alegis (SDB)

Southern Tier Agency, Inc.

Specified Credit Association

Streeter, Sam W., Lawyer

Superior Asset Management

Taylor, Jay A. P.C. Attorney

Titan Recovery Group, LLC

Trak America Enterprises, LLC

Trauner, Cohen & Thomas

Triadvantage Credit Services

TrueLogic Financial Corp.

Unifund Group Corp.

United Abstract Group, Inc.

United Legal Corporation

United Recovery Systems

US Audit Control

Van Ru Credit Corp

Varde

Vasques, Louis, Law Office of

VRM Collections - Vigden Receivables Management

Weinberg, Stanley & Associates

Weltman, Weinberg & Reis

West Asset Management Inc.

Westmoreland Agency/Capital One Bank

Winn and Sims, P.C

Wolpoff & Abramson

Worldwide Asset Purchasing, LLC

Worldzen Collections and Recovery LLC

Zenith Acquisition Corp.

Zwicker & Associates, P.C.

The best way to avoid problems is to not let your debts contol you..

The Total Money Makeover: A Proven Plan for Financial Fitness

by: Dave Ramsey

Amazon Price: $14.61 (as of 12/20/2009)

The Total Money Makeover Workbook

by: Dave Ramsey

Amazon Price: $11.69 (as of 12/20/2009)

Financial Peace Revisited

by: Dave Ramsey

Amazon Price: $16.47 (as of 12/20/2009)

The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health

by: Dave Ramsey

Amazon Price: $11.05 (as of 12/20/2009)

More than Enough: The Ten Keys to Changing Your Financial Destiny

by: Dave Ramsey

Amazon Price: $10.40 (as of 12/20/2009)

1st American Credit Solutions LLC

1st Credit of America LLC

516 Main Inc

A & L Asset Management LLC

A & P Services

A & T Financial Services Inc

A Division of National Credit Audit Corporation

A M Miller & Associates Inc

A S & Associates Recovery Experts Inc

A Williams & Williams Inc

A&S Collection Associates Inc

A/1 Rapid Recovery Inc

A/R Recovery Inc

A-1 Check Recovery Inc

AAA Collectors Inc

AAA Credit Service Collection Agency Inc

Aargon Agency Inc

Abacus Financial Management Services LP

Abacus Financial Management Services Ltd

Abbott Abrey & Beck Inc

ABC Services

Able 2 Collect LLC

Able Credit Services Inc

Absolute Resolutions Corp

Academy Collection Service Inc

ACB American Inc

ACCB Inc

Accelerated Bureau of Collections Inc

Accelerated Bureau of Collections Inc (Iowa Office)

Accelerated Bureau of Collections Inc (Oklahoma Office)

Accelerated Financial Inc

Accelerated Receivables Solutions (ARS) Inc (fka Credit Bureau of Scottsbluff Inc dba Credit Bureau of Western Nebraska dba Checkfirst)

Accelerated Receivables Solutions Inc

Accelerated Recovery Group, Inc.

Access Credit Management Inc

Acclaim Credit Technologies

Acclaim Financial Services LLC

Accord Credit Company

Account Adjustment Bureau Inc

Account Control Bureau Inc

Account Control Systems Inc.

Account Control Technology Inc

Account Portfolios LLC

Account Portfolios LP

Account Recovery Services

Account Services Collections Inc

Account Solutions Group LLC

Account Solutions Group LLC

Accounts Receivable Consultants Inc

Accounts Receivable Consultants Inc (ARC Inc)

Accounts Receivable Management Inc

Accounts Receivable Management Inc dba New Jersey Accounts Receivable Management Inc

Accounts Receivable Service Corporation (ARSC)

Accounts Receivable Systems Inc

Accounts Research Inc

Accredited Collection Agency Inc

Accredited Collection Services Inc

Accu Chek Inc

Accurate Systems Financial

Accutran Recovery Services Inc

Ace Cash Express Inc

ACS State & Local Solutions Inc d/b/a LDC Collection Systems

ACS Systems Inc

Action Collection Agency Inc

Action Revenue Recovery LLC

Active Credit Services Inc

Adam Carr dba Texas Legal Resolution

Adjustment Bureau Inc

Adler Wallach & Associates Inc dba AWA Collections

ADP Collections Inc

ADS Global International Holdings Inc

Advance Collection Services Inc

Advanced Billing Concepts Inc

Advanced Call Center Technologies LLC

Advanced Credit Control Inc

Advanced Credit Management & Collection Services

Advanced Financial Company LLC

Advanced Financial Company LP

Advanced Receivable Solutions Inc

Advanced Recovery Systems Inc.

Advanced Retail Technologies Inc

Advantage Financial Services Inc

Advocate Inc dba Commercial & Medical Credit Services

AFNI Inc

AFS Automated Financial Solutions LLC

AFS Inc

AGI Receivables Management Company

Aid Associates dba Plaza Associates

Aid Associates Inc dba Plaza Associates

Other Stuff

Golden Isles Nissan: If you are looking for good prices on Nissan Cars and Trucks look no further.

Opportunities Lost
NetAudioAds - Larry Host trying to Humiliate My Family: Larry Host the CTO of NetAudioAds has take a personal vendetta against my children and me because he disagrees with information published by my husband on how bad an idea auto played audio advertising is. Mr Host was convicted of a felony in October of 2005 for not paying child support in Michigan a
Cincinnati Ford Dealer: Price Quotes and Information from a Cincinnati Ford Dealer

Squidoo

NEVER PAY A COLLECTION COLLECTION AGENCY UNTIL YOU SEE THIS

To pay or not to pay that is the question...

FREE Special Report "How to Get Collection Agencies Off Your Back!"

This free report reveals the secret to getting them off of your back fro once and for all

Do's and Do not's on Paying a Collection Agency

there is a right way and a wrong way to pay them

There is no debtors prision

Here's my favorite link: