Collections

I’ve heard good things about Aussie and have decided to give it a try. I went onto the website and looked at the collections. I figured the best collection for me would be Catch the Wave, but I took the little test on the site and it told me to use Sydney Smooth. My hair is naturally wavy but has the tendency to frizz and poof. I want my waves to be defined, but I also want my hair to be soft, smooth, and frizz-free. Which of those two collections will help my hair most?

I would say use sydney smooth, I recommend any aussie product, they’re great!

I’m looking at my credit report and there are some things in collections. Now I intend on paying them off but would like a trade off. I would like for them to delete their report of my credit history or say something that will take it away from collections and shows it’s payed off. How would I go about doing this? I want to know what to say, what documents to get/record, I need to know all this before I call and they run me.

I personally used Credit Repair Magic. There is a video at the site that tells you in their own words why you should pick this product and avoid all of the junk that is out there.

The main power of this program is that it is self-directed and not do-it-yourself. A reasonable comparison would be to some of the better self-directed income tax programs that are so popular now even including video and audio instructions! This software takes you step-by-step through a point and click method that automates all of the output that is going to the credit agencies. You do not need to know legalese or not even an address because the software takes care of it for you

My wife has some pretty massive student loans and there’s no way she can pay the monthly amount the government is asking for. She’s already used up the allowed interest relief. What my wife wants to do at this point is to let collections take over the student loans. She seems to think that collections will take what ever she can afford in terms of monthly payments. Is this correct? (I’m also aware she won’t get any income tax and she’ll have no credit what so ever). Also, can they take her to court over this and face jail time?

I work in collections for student loans and no they wont take anything. Going into collections isn’t a do over, the past due balance is still there,and she only pays the monthly installments then the past due balance will still be there and will eventually default. People get this stupid idea that when they go into collections they get to pay whatever they want and the loan wont default. when it goes to collections people have to pay more because now their collecting the monthly installment and the past due balance,not to mention you have late fees tacked on. Basically, if her payments are say $200 per month and she is already past due $800,then the collector is going to want $1000, if she only pays say $100 then when the next monthly installment rolls around shes gonna owe $1100, and so on,so you can see how people get into trouble with this

I was a little over 90 days past due on a credit card payment, did it go into collections? How do you know if it did?

You will start to receive communications from the collection agency. Simply call the credit card company and find out.

I had a pretty big medical bill and i was uninsured, nothing serious happened but like all hospitals they way overcharge on everything especially the rooms…close to two thousand a night. Now if I dont pay the bill and I am sent to collections, when does it start effecting my credit?

Usually anything older than 30 days will show as ’slow’ credit. if you know what agency they sent the bill to, you can contact them set up payment arrangements. its smarter to contact the hospital billing department itself to see if THEY will set up arrangement rather than have to pay the 3rd party fees involved. Most hospitals are willing to work with you to get the debt paid. NOT paying the debt at all will negatively affect your credit.

I had a hospital bill that was sent to collections, isn’t there like a 10 dollars a month thing you can pay them and it won’t effect your credit score?

That depends on the laws of your state. If it was sent to collections, you’re already out of luck — it’ll show up on your credit report. Best bet is to call the collection agency, tell them you have a financial hardship, and see if you can work something out. Usually, you can do that with a hospital or clinic and pay some nominal amount like $10.00, and as long as you work that out before the bill goes to collection and you keep paying the bill you’re OK.

Ok if you have a credit card go into collections 6 months ago, and have another credit card that is basically maxed and you don’t wont to make the several hundred dollar a month minimum so you stop paying. In 3 months its sent to collections so you then work with the collection agencies on both cards and get them squared away. How long will it take you to get to a good rating if you do everything right with your credit from here on out. I know 7 years clears a bankruptcy, but this isn’t a bankruptcy.

It will take quite some time. Both of those collections can legally be listed on your credit report for 7 years. Assuming you acquire some more credit and manage it responsibly as time passes and you manage your credit well the effect of those collections will lessen but they will continue to be a drag on your score until they age off.

I’ve been searching the internet,and I haven’t seen anything about Edwards collections. I’ve seen pictures but not a set in stone description of a particular section of a website saying," This is Edward first collection"…

www.edward-weston.com there are five photos on the front page representing his most famous collections. Read thru the info and you should find a pretty good overview of his career.

To anyone who works for a collection agency or has experience in collections, can you tell me approximately how long collection agencies hold onto accounts before transferring them back to the original creditor. For example, if someone owed Sears $2000 and sent it to an agency for collections - and that agency had no luck collecting any money - would they eventually give the account back to Sears so they could try a different collection agency? Thanks for your help.

Some creditors do it and some don’t. My Capital One and Citicards eventually went back to them because the collection agencies didn’t collect. The rest of them just got transferred from collection agency to collection agency.

I went to a timeshare presentation. I ended up getting their 2,000 dollar package. I don’t want it anymore. I never gave my social to them. Can it still hit my credit report as collections just with my address?

Any debt can be turned over to a collection agency with very little personal info. Collection agencies do skip traces and hunt down debtors.

Items can be reported to your credit file without your SSN. All they need is your name, address, and maybe DOB.