Asset Acceptance LLC collections question
Long story short, I let a credit card go into default back in 2006. The credit card issuer wrote off the account in the tune of 17.5k
Categories: Mortgage Tags: account, account-detail, agreement, Credit, credit-card, from-the-credit, limit-on-how, newly-inflated, principal, simple-printout, social, the-principal, the-validation, validation
how do I handle zombie debt?
I am trying to clean up some things on my credit so that I can apply for a mortgage in 6 months. It seems that suddenly, collection companies are coming out of the woodwork. I read on a credit repair company website that if a debt is past the statute of limitations, I should send a letter informing the collection company of this, request that they cease and desist and warn them that I will report them if they continue to attempt to collect.
Categories: General Credit Tags: attempt, collection, collection company, Credit, credit repair company, credit-repair, method-instead, Mortgage, pfd, report, situation, some-things, statute, statute of limitations, the-collection, validation, will-report, woodwork, zombie
Can I/Should I file a lawsuit?
After pulling my credit bureau I found a listing from Navigator Telecommunication in Arkansas. Not remember having service with this company I sent a validation request. The account is apparently from January - March 2005 for home telephone service.
Categories: General Credit Tags: account, account-numbers, Accounts, Address, bills, Computers, Contact, credit-bureau, home telephone service, home-telephone, legal aid, Personal, personal-info, proofs, remember-having, telecommunication, the-validation, their-computers, validation
Categories: Mortgage Tags: bank credit card, civil-summons, copy-as-well, Court, court-hearing, credit card company, debt-collection, debt-validation, definately-get, does-the-court, family-members, filing-bankruptcy, from-the-bank, hearing, judgement, last-question, summons, validation
Paying as agreed in judgment, can I still have wages garnished?
Can we be sued for garnishment of wages if we have been paying our judgment as agreed? The back story on this is long but basically we had a debt that we were being sued.
Categories: Mortgage Tags: 4 months, agreed, attorney, choose-the-day, debt, debt-collector, garnishment of wages, gas expenses, Income, investigation, judge, judgement, lawyer, legal judgment, Lost, Money, overtime-pay, sent-the-lawyer, slow winter, summons, validation
Need Serious Help!
First let me thank you in advance for any advice you may give to me. Let me start by telling you my story. I have a few collections on my credit report that I recently started paying off.
Categories: Mortgage Tags: 2010-the-year, account, Companies, cra, Credit, credit-card, creditor, debt validation letter, debt-validation, equifax, hard-time, legit-statement, letter, mail, prevent-further, proof of delivery, return-receipt, running-balance, tracked-it-down, transaction amounts, transaction history, validation
Debt validation failer
I have a credit card that was charged off about 5 months ago. I received phone calls and letters from one collection agency and sent them a debt validation letter.
Categories: Mortgage Tags: 5 months, account, agency-started, another-letter, collection, credit-card, creditor, debt validation letter, debt-validation, form-letter, letter, one-collection, phone-calls, received-phone, should-it-say, the-original, validation
National Credit Adjusters – Operating Illegally – Credit bureaus won’t take action
National Credit Adjusters (NCA) through their affiliate International Financial Services (Intl) has placed bogus negative trade line items on all three of my credit reports. They are collecting for two Internet payday loan companie called Planinum B and Debt Doctor. These are not my loans. Payday lenders are regulated in my state by the Washington Dept. of Financial Institutions. All lenders, even those operating via the internet must be licensed by the state to du business with Washington residents. Neither of the NCA's clients are licensed, neither is Intl for that matter. So, NCA is aggressively trying to collect a debt for a client that is not legal in my state. I advised Equifax customer service about the need for proper licensure and that without it, state law specifically states they cannot attempt collection activity including reporting to the credit bureaus. EQFX indicated that NCA validated the debt and the item will stay. I repeated the fact that all entities involved are operating illegally and they cannot collect or report.
Categories: General Credit Tags: affiliate, bogus-negative, companie-called, Credit, credit-bureaus, debt doctor, equifax, Financial, financial-institutions, international, Internet, intl, loans, national credit adjusters, national-credit, nca, payday lenders, payday-loan, state, the-validation, validation, washington residents