Debt Collection Process

debt collectors? what do you debt collectors feel and say after hanging up on a mouthy debtor? would you like to punish them somehow?

Debt Collectors? I had my mobile phone stolen a while ago and cancelled my plan because i was sick of the company i was with. It came up to $1500 in total and i have been paying it off every week. Yesterday i got a call saying my bill was $2400 and that if i dont pay them $300 per week they are sending it to the debt collectors. Can they do this? Can they send my bill to the debt collectors even though i have been making weekly payments for the last couple of months?

Debt collectors? Should you send payment to a credit card company even if a collection agency is calling you? The debt has not been sold to the collector.

What information is sent to debt collectors when a company submits a debt for collection? What information do debt collectors receive when a company forwards a debt for collection? Do they simply get the information for the debt (name, address, phone, soc. security number, etc.) or do they get the entire account history etc? Also do debt collectors have the ability to file criminal charges for nonpayment or only civil to get the money back?

How to confirm if you have a legitmate debt when debt collectors are sending letters? How to check to see if the debt is really legit? I know there's a statute of limitations of 7 years that prevents debt collectors from contacting you but what happens to the debt after that time frame? Also, if you get a letter from a debt collection agency stating you owe a debt, how to prove that the debt is real and you do in fact owe?

How did these debt collectors find my address? So I have recently moved because of the military and somehow 2 debt collectors found out my address. I monitor my credit report and no one has reviewed my credit report sense the move, so they couldnt have gotten it from there. Any ideas?? I plan on paying these debts soon but I just didn't want the collectors to know I am in the military.

Can debt collectors in Scotland enter your house to remove your processions against your will? T-Mobile has been harassing me for 10 months now for me to pay for a product that I had not recieved. T_mobile acting like bullies they are, ignored my concerns and for several months now been using debt collectors to make me pay for a product I did not get. Can T-Mobile legally steel my household possessions. It is noted that T-Mobile had failed to respond to OFCOM instructions to resolve thia matter sensibly.

can debt collectors sue in the state of texas or garnish your wages. what are the laws in texas? in texas, can debt collectors sue? can they garnish wages. a collection agency out of california mentioned to me that they can issue a summons if i don't agree to pay.

What is the process to sue debt collectors? A relative who have never lived in my household, not even a day, apparently have outstanding debts. Now the debt collectors have been calling my phone and leaving messages. A couple of times, they were told to stop calling my number as I don't know the whereabouts of the individual they want to collect from. However, they never stop. I reported them to the FTC but not action taken. Now, I am surely mad that I want to sue them. Any info highly appreciated. I am located in MD.

How serious will debt collectors become? I have a couple credit cards $2000 and $600 debts, that im paying through a consolidation company. Debt collectors are calling several times a day now. How much more serious can this get? I don't have to worry about someone knocking on my door do I?

Can debt collectors take money out of my bank account once I open one? I currently do not have a bank account but I am worried that once I open one my debt collectors will take money out of it. Is that true? These debts are just small medical bills and such. Nothing big.

Can debt collectors charge interest on purchased credit card debt? I would like to know if interest can be charged. It wasn't supposed to be in the past but with the increase of purchased debt it seems debt collectors are making their own rules as they go. I am completely up to speed with everything except laws surrounding credit cards. Can anyone help out? Links are very much appreciated also. (and no, it's not for me so no personal opinions on being in debt as I don't require that advice - Serious answers to the question only please) This is a NSW matter.

Can the economic stimulus rebate be garnished by debt collectors? Employment income and tax refunds can be garnished by debt collectors - can the economic stimulus rebate be garnished as well?

How big should a debt be before debt collectors can take to small claims court ? scotland question!? I read on the internet that when a debt collector is sending letters about a debt you owe the debt should be over a certain amount for them to take legal action against you, i live in scotland where debt collectors can take people to a small claims court unlike in england where they can come knocking on your door and take stuff out your house etc. Debt collectors cannot take property from your home in Scotland, They used to be able to but the law changed some years ago.

How can I stop debt collectors from calling me? My current phone number was apparently previously owned by a person who had large amounts of debt. This person must have changed their number, and now it is mine and debt collectors are calling 24/7. What can I do to stop them?

I want to send debt collectors to a sellers house. How do i get the address? I purchased something on ebay through paypal. He didnt send the item and am currently disputing with paypal. How can i get his address to send debt collectors as i requested this from ebay but they sent his general area and hes house number. Anyway way off getting the address? I didnt recieve an invoice, ebay sent me his town and house tel number nothing else.

We need rules for debt collectors on defaulted homes,they are screwing up bad Can Obama camp help ? Real este agents work for months for nothing most of the time because of unskilled debt collectors on homes selling short screwing every thing up.We need new rules in place to get a handle on the banks excepting the offer and then not sending an approval to start escrow and then auctioning the house right out from under every one waisting all of their time and money.Is any one listening ?

What should you do when you come to a settlement agreement with debt collectors? I have come to an agreement to pay a discounted rate with debt collectors over a bill with an ER visit to the hospital. What is it I need to do to make sure they don't try to come after me and hurt my credit any more with the balance I didn't pay?

Can you send debt collectors after a corporation that owes you money? and ruin their credit? Make them pay you back. How come when you owe a corporation money, they send debt collectors after you and ruin your credit.

Can a California resident protect his paycheck from debt collectors for spouses debts from before marriage? My wife has $XX,XXX outstanding student loans that she took out before we married. Can debt collectors garnish my wages or seize my possessions?

What does the fair credit law say about debt collectors making phone calls to a private residency? I'm sick of rude debt collectors calling me on the phone. Until I can pay them off, what can I do to make them stop calling me?

Debt collectors have overcharged me can i claim compensation? Two debt collectors have chasing the same council tax only one has be authorised.The other debt collector which is not authorised by the council tax has been taking monies from me.

Who do I get a hold of if I am getting letters from debt collectors of debt that is not mine? I keep getting letters from debt collectors with an outrageous amount due of acounts that I have never had. Who can I contact to clear this up? The collectors don't listen.

What should I do if I paid some debt off to one of the debt collectors I owe to a few years ago? What if i've got debt from a few different companies from the year 2000 and i've had debt collectors chasing me since. Some I've ignored completely and as it's over 6 years I understand I can send a cease letter to them...but some others i have had contact and paid some debt off. What do i do now?? Do i have to pay the ones I owe to? and do a cease letter to the others? Help!

How do debt collectors find out i have bank accounts? How do debt collectors find out i have bank accounts after obtaining a court order to be able to freeze my checkings savings accounts in any banks i am with?

Is there a law against how often and when debt collectors can call you? Im getting harrassed by a debt colector that already knows the debt is past its Statute of Limitations, and still continues to call me. They call me day, night and the weekends. What can I do to report them? And does anyone have a link to where I can read what the laws are against debt collectors calling me. Thank you.

How do debt collectors find out you have a job? how do debt collectors find out you have a job that eventually leads to wage garnishment?

What to do if they told me I will be dealing with Debt collectors? I have paid for the course which promised guaranteed employment at the end of it if you pass all the relevant exams within 3 month of graduating (which is quite impossible). I haven’t paid full price and left £ 1.500 to be paid in installments after they found me a job (as they promised). They never found me that job and now chasing me for that money. What can I do to avoid this payment, as they threatening to sell it to debt collectors? Cheers guys.

can debt collectors take money right out of your bank account? I want to open a bank account to save and manage my money but my boyfriend says that if I do the debt collectors can take money out without notification.is that true? If they get a judgement will I be able to get my money out before they can take it?

Is there any legal way to get debt collectors to stop calling me constantly? I have the same debt collectors calling me 4-5 times a day even weekends. Is there a legal way I can get them to stop bugging me? Yes, I actually hired a debt consolidation company to help me out but yet the calls still come.

Can debt collectors come after your assets if your spouse incurred the debt before you were married? My fiance has a debt collector coming after her pretty aggressively and in not the most ethical way (in CA). She has a car (still paying on it) and no other assets. I own a house with more equity than here debt. Can her debt collector come after my assets once we are married?

Why do ebay debt collectors keep calling me? Recently I was not on ebay for a while because of finals and whatnot for school. I had a weird number call me and say that I owed ebay money. So I went online and payed what I owed, (which was $40.00) but these debt collectors keep calling. I have the receipt and everything from Paypal verifying that I paid my dues, also my ebay account was re-instated because I paid. So my question is how do I get them to stop calling?

Is there a Do Not Call Registry to prevent calls from bogus debt collectors? I get calls all day, every day, from debt collectors that have used over 15 different phone numbers thinking I will answer eventually. I am not in debt to anyone for anything. I don't have the money to hire a lawyer and I would like to keep my existing phone number, if at all possible.

Can I ban debt collectors from calling me? I know you can ban telemarketers, can I do the same for debt collectors?

How are debt purchasers different from debt collectors? And also do they have the same rights as far as a debt collector trying to get debt vs a debt purchaser???

Can a company switch debt collectors while a debt is in dispute with the original collector? Due to a mistake on their part AT&T believes that I owe them money that I do not. I was contacted by a debt collector, and I immeadiately disputed the debt in writing. The Debt collection service never contacted me again. Now, six months later, I have a collection letter from another collection agency, once again claiming I owe this debt. How do I make this go away?

What are some of the ways that collectors/creditors use to collect a debt? In a normal work day of a debt collector, what are some of the tools or methods they use to collect a debt.

Can debt collectors call me to find someone they are collecting from? I just received a call from a debt collector, wanting to know where my friend is, and asking me to take a message and have my friend call them back by 5:00 this evening. Can they do that? I have never borrowed money from this company, and wasn't even aware that my friend had. How can they drag me into this?

How to report harrassing debt collectors? We just received about 10 calls in a five minute span from a debt collector. The woman on the phone also threatened to throw us in jail. How do we go about reporting this because I know it is illegal? We are working out payment arrangements so I don't need the "pay your bills" speech, I just need to know how to go about reporting this problem.

What can I do once my debt has reached the seven-year mark? The debt collectors won't stop calling!? I have old credit card debit that has been considered past due for about eight years now. How do I know if it has been removed from my credit report (or if I need to do something to have it removed). Also, how do I get these debt collectors to stop calling me?!

Why would anyone on this board advise to pay debt collectors? Any one with some knowledge would know once the debt is sold you dont owe the third party one cent as you never took out loan with debt collector.Debts are sold on market for cents on the dollar.Why advise to pay 25% or more, knowing that they will never see the end of the debt.Bottomfeeders prey on people paying up or not showing up for court.

What are my rights against debt collectors? I answered a call from my brother-in-law, or at least I thought because the caller ID showed his number, but I find out that it was a debt collector. How this happened I want to know and isn't it illegal to use deception like that?

How do I get debt collectors to stop calling me about my ex-wife's debts? I've been divorced for 2 years, although my ex-wife & I still keep in touch. For the past month, I've been getting calls from bill collectors regarding debts that she owes. I've told them that we're no longer together, but they keep calling. Now, here's the kicker: I can't give them my ex-wife's phone because she doesn't have a landline. She is also unemployed so there is no contact work #. How do I get them to stop calling me?

What types of information do people who work for third party debt collectors have access to? What I'm basically asking is, when a debt collector puts your name into a search engine how much of your personal information do they gain? What all do they know about you?

How far can debt collectors go? I have spoken with a certain debt collector and have told them I don't have the money to pay off the debt they keep calling multiple times everyday. Is there anything I can do?

how long does a debt stay in a debt collectors records? If a person acquired a debt in 1996 but didn't pay it, can a debt collector combine that debt to a recent one?

Can debt collectors charge you for attorney fees? I recently obtained a home in debt to the homeowners association. The account was turned over to a debt collector. I received a latter stating the amount owed and notice there are attorney fees. Can I be charged for the collection's attorney fees? Please help, many thanks.

How much do debt collectors make? I have an opportunity to help a friend's family dentist office out as a phone debt collector - not a lot of pressure - just 'did you receive your recent statements' and 'is it possible for you to pay a little amount due on your balance'... But they want me to come up with my compensation - per call / per hour / percentage of collected amounts / or a combination of the above. What's a fair amount?

when debt collectors come to you house what can and carnt they take? just need to no what the debt collectors can take realy. and when they file to the courts to recover goods do i get a chance to offer pay ment to the court or will the debt collectors just turn up at my door. i dont own the house just the things inside it tv fridge washer the usual things and a car not worth allot

Can Debt Collectors automatically deduct money from my paycheck without my permission? I have a credit card I can't pay right now. My husband has been without work for a year now. I am working to support both him and my son. I can't even pay my car payment or rent or eat without help from family or church. Can a debt collector really do that? I thought I heard before that they can't...Is that harassment. This guy calls me at least once a week and is very rude even after I say I am contingent. HELP PLEASE!!!

Is it illegal for debt collectors to call my parents house? Is is considered harassment or something if a debt collector calls my parents or other family members? Thanks! I don't live with my parents, they are not references, and I got the card over 6 months after i had moved out. I don't even know where they got the number from. They told my mom it was about my credit card, they even told her what company it was. I understand that they can try to get in touch with me through my mom, but i didn't think they could give her all of that information....

What do you do if debt collectors won't take your payment? What do you do if a debt collector won't take your payment when you said you could give them a certain amount on a day within two weeks from they called you because that is when you would get paid? Also, they refuse and tell you that you HAVE to pay it in full at the amount right then and there?

Can debt collectors take life insurance? If I die still owing debt can the debt collectors take the life insurance I wanted my children to have?

How to report harrassing debt collectors? We just received about 10 calls in a five minute span from a debt collector. The woman on the phone also threatened to throw us in jail. How do we go about reporting this because I know it is illegal? We are working out payment arrangements so I don't need the "pay your bills" speech, I just need to know how to go about reporting this problem.

If you don't trust banks, where is the safest place to keep your cash where no debt collectors can find it? If you have rogue debt collectors coming after you, where can you keep your large emergency cash fund safe where no one can take it from you?

Could Debt collectors take money from your income tax return? I'm about in 4000 dollars in debt and all to debt collections! yes I know its horrible.. I plan to pay back but just payments... I just been having a tough year. This is my first year filing income tax on my own could debt collectors take that money from my tax return??

Debt collectors settled and now want more, can they do this? I settled with a debt collector years ago. Got a letter stating paid in full. Apparently the main company didn't like the way they did business and went with another collector. Now they are calling me because the main company didn't want settlements, they wanted to be paid in full, so they want the remainder. Allowable? Any recourse?

Can debt collectors collect a collection fee? I live in Colorado and have a cell phone that went to collections. I got a letter from a debt collector and they have a "collection fee" that is added to the total of the debt. Are they allowed to collect the fee? I thought I read that they are only allowed to collect what you owed in the first place?

Debt Collectors calling my family members? I have debt collectors calling my family members and asking them about my debt. How do I get them to stop. Do I send a cease and desist letter to let them know that I do not plan on paying for the debt. Can someone help? I live in PA.

Are debt collectors able to collect for an old debt that was removed from my report? I just received a call on my cell phone from a debt collector in regards to a 10+ year old debt, which was removed from my credit report after 7 years without any action being taken. Are they able to collect this old debt even though it's been removed from my credit report about 10 years ago? Are they able to garnish the wages from my pay check?

Could Debt collectors take money from my income tax return? I do have debt in the form of maybe 6,000 dollars i owe to credit cards and banks and a hospital. i recently went to h&r block and got a 5,000 dollar tax return i went yesterday. now i got the hr block prepaid card and the money will be on it in 8-15 days. can the above debt collectors i named garnish or take my income tax return. everything is in collections.. please only knowlable people answer this question, no offense i just need 100% pure knowledge (10 POINTS)

How far is too far with debt collectors? Anybody familiar with the law? I have a debt collector calling me and it leads to harrassment. I have made arrangements to pay off the account but it doesn't meet their "time line" . They tell me things like maybe I should file bankrupcy, you people that don't pay are pathetic, or get a job. I am a full time student and work part-time I'm tired of them calling me because i tell them what i can do as far as payment and they say "we can't except that". What should I do? I told them I would pay the account off in August isn't this fair enough?

Can debt collectors monitor phone use? I've noticed something, but it could just be coincidence or my imagination. Can a debt collector know when you have just been on the phone? It seems like I will just get off the phone and a minute later my phone rings and it's a debt collector.

Are debt collectors allowed to call your family? Somehow a debt collector got my parents phone number and have been calling them. Isn't that an invasion of privacy? I don't want these people harassing my aging parents.

What are some things it is illegal for debt collectors to do? I've seen commercials about how it is illegal for collectors to do certain things, and it constitutes harassment. I have a collector calling me (for a bill I paid, but to them that seems irrelevant) at 9:00 at night, and on weekends. Just wondering when they cross the line, anyone know? Thanks!

Are debt collectors prison employees, as I have heard and read? Is this just urban myth? Some debt collectors are extremely belligerent, and some are just straight up violent towards me.

I am not the one that owes them money, but is it typical for credit card debt collectors to give u attitude? even though i tell them that the person they are looking for is not here, they give me shi**t about it and have given me attitude and even when i tried negotiating it with them they scoffed and tried mocking me and hung up. that shi**t completely ruined my day. it was a major mood killer and i am really mad. I'm not even the one they are supposed to be speaking to. Is it cause of me or is this very typical behavior for credit card debt collectors? They know I'm not the one that owes them!

If I pay my debt collectors will this clear my credit report? I have 2 debt collections on my credit report, one is for 52.00 and the other for 200.00 I didn't really know about these, their both medical related and I have had them for about a year in 2009. If I pay them will this clear my credit. Does this mean I have bad credit?

What is the greatest power posessed by debt collectors to collect unpaid debts? I have some outstanding debt from years ago to a school and some unpaid student loans. I intend to pay them in the near future, but until then what can they ultimately do to collect? Can they reposses something I own?

What is the most common interest rate debt collectors can charge to a business debt? Not credit card debt. A business debt. What's the average interest rate.

How can I stop debt collectors calling for my roommate? So I have a home phone, its in my name and my roommate never uses it, or answers it. Since he never uses it I pay the whole bill. I assume that the debt collection agency has his address and looked up the home phone number associated with his address. I have told them that indeed he does live here but that this is not a viable way to contact him and that I have no intention of providing a contact number for my roommate. The calls still persist. How can I make them stop?

How can I stop debt collectors from calling my Dad's house about MY debts? I haven't lived with my Dad in 12 years, yet they keep calling him, multiple times a day. I am not paying these any time soon. What are the laws about this? The following answers DO NOT answer my question: - "Pay off your debts" -"Take responsibility and call the collectors." (Unless I can present them with some law they are breaking, this won't stop them from calling my Dad's)

In Australia, how far can debt collectors go to get your money? Please note I am not being chased by a debt collector and I have no itention of getting into debt. I was just wondering if there was anyone who worked in the field that could give me some information - If a person owed money to a business and ignored all letters sent to them, ingored all phone calls etc. If they sent someone around to arrest the person but they never answer the door or have bitey dogs in the yard how would they arrest the person? Do they have a right to break down the door or restrain the dogs or something? Just curious Cheers :-)

With Debt can the debt collectors trace people if the debts from the united kingdom and someone moves abroad? AS long as no one in my family provides the collectors with the name of the country i am relocating to i should'nt have a probelm escaping ! the debt in the uk i have is 500,000 pounds !

Is it legal for debt collectors to call a person's neighbors? Yesterday my neighbor came to my house with his phone and told me I had a call. It turned out to be a debt collector looking for my mother-in-law (who has never lived with us but gave out our address and number instead of hers.) The collector said that since no one answered the phone at our house, (I didn't get the phone in time) they were calling the neighbors to try to get ahold of her. Now, I'm furious with my mil for dragging us into this. And if I knew where she lived, believe me, I wouldn't have hesitated to give that debt collector her address and number. (My husband and I have had to deal with our own debt collectors when she used his SSN and ran up credit cards to the tune of $15K.) But as I got to thinking about it a little more, is it legal or even ethical for debt collectors to harass a person's neighbors while trying to find them? Seems kind of shady to me, but then again, lots of shady things seem to be legal these days. It's pretty easy to find the numbers of a person's neighbors. On whitepages.com, there's a feature called "find neighbors" that will give the names, addresses and phone numbers of everyone in a given neighborhood, provided they are listed in a phonebook to begin with. Oh, and my husband and I aren't in debt anymore. :-) He paid off the debts his parents ran up in his name...those were lean times, indeed. This time, it's just his mom that's in debt.

Can debt collectors garnish your tax refund? I have a large amount of medical-expense debt that I'll never be able to pay off. Can they/collection agencies take your tax refunds?

What amount of overpaid salary would be pursued by debt collectors? A friend of mine is being hounded for an overpayment of salary of £450. Employer threatening to employ 'private sector' debt collection. Is it likely for this kind of amount, or is more likely to be a threat?

how do i change my phone number that debt collectors call? these stupid debt collectors keep calling my parents house and i haven't lived there for 2 years. They keep calling over there even after my parents tell them i dont live there anymore

Can Debt Collectors discuss your collection issue with your family? I have a debt that I'm trying to dispute. I currently share a home with my elderly mother. Recently they've been calling 2-3 times a day, every day. I've told mom not to answer if the she doesn't recognize the number, but to no avail. This particular caller has told my mother that I'm going to jail if I don't pay, which frightened her. I know that they can't send me to jail on this particular matter, especially, since they won't send me documentation in writing regarding the debt owed, but don't want them discussing anything to do with my finances with her and scaring her again. What can I do?

Can 2 debt collectors come after me at the same time for the same account? My husband had a credit card account (in his name only) with Providian that got bought out by Washington Mutual. We have had some financial difficulties over the past year or so and the account has gone into collection. My mother-in-law (who lives in a different state) has told us that she is getting calls for my husband. He hasn't lived there for 10+ years. They are also sending bills to her house. Are they allowed to do this? ALSO...we have 2 companies trying to collect the same debt...one company is representing Providian and the other Washington Mutual. We're not sure how to handle this and we're sure as heck not going to pay 2 companies for 1 debt. Please help! Hope this isn't too confusing. Thanks in advance.

What are the laws against debt collectors? Are they allowed to call you at work? I get about 10 calls a day from one particular collector (although I never pick up). She asked me what my work number is and I told she wasnt allowed to call me at work and she said she was.

Legal/Acctg, Can debt collectors come after bsns assets in an LLC, taxed as a ptnrship? If two partners, set up as an LLC, with the state of GA and federal govt's. Then they go ahead and file a partnership tax return, to be 50/50 equal partnership. Would one of the partners previous debt collectors, be able to come after the business assets. true life story here. Person is worried his partner will be suseptable to losing her, capital that she put into the business. Is this the case? ? ?

What is the statue of limitations on debts that are in the hands of debt collectors? We live in South Australia, the debt is in my husbands name so can they touch property, possesions, that are in joint names?

How much info do I HAVE to divulge to debt collectors? I have an old debt from a turned in leased car; the total is around $5600; they offered a settlement for about half, which I of course do not have; I offered to make small monthly payments ($25 to start), to which he asked for a financial summary to prove "hardship". Are they legally entitled to this info, or can I still offer the payment and they have to deal with it? Many thanks in advance.

what debt collectors do to me? I put leave my debt to debt consultant and after 6 months, instead of getting calls from credit card company, I start getting calls from debt collector. What will they do to me if I ignore their calls?

Can debt collectors reject a payment plan option? we have a debt ofjust under $14000. we have cotact the collection agency and they have told us to pay it in full. They won't except any other payment options. We have continued to make small payments and now they are telling us they will proceed with legal action. We want to pay them butcan only afford small payments. What can we do?