Collections

My husband and I have had this phone number for over 2 years, and have ported it to another provider. We have continually received collection calls from various agencies demanding payment of debts from the same man. He has set up cell phone service, satellite service and several credit cards, using our phone number as the contact. He defaults on all these debts, and we get the harrassing calls from collections. I want him to stop, and I want the calls to stop. Can I prosecute? Can I get him arrested for fraud? I’m so sick of being accused of harboring this guy. Help!!!

Report it to the phone company, all the places that are calling you and tell them that it is not you, and you may have to put a call block on those numbers.
And unless you’ve got the guy living with you you’re not harboring him . If you know where he lives you may want to inform your local PD as they’ve most likely had charges filed against him from the various companies.

My GF has a lot of debt and a decent amount in Collections I would say around 2000. I have nothing in collections and all of my stuff is in good standing. We have a joint account. If the collection agencies decide to persue a law suit, can they go after the joint account and take my money?
Well hopefull no one files a suit today or tomorrow. On saturday we are taking her name off of my account and will probably look into some sort of debt relief program.

If her name is on the account, then they have the right to it. As banks and collection agencys see it, they dont know whose money it is technically. So because both your names are on it, then they consider her having access to your money, they consider it her money.

I have some old medical bills that have gone to a collections agency. I have recently gotten into a position where I can pay the bills off, but should I pay the hospital & doctors directly or send the money to the collection agency? I would rather pay the doctors & hospital since I may need to use them again, but don’t want to leave the old bills on my credit report. What is the best way to pay these bills?

the agency. i’m going through this myself. once its paid it will reflect that you paid it although late. i’ve had two agencies out of ten report paid on time just like it never went to collections.
once in a while you’ll find some willing to do that. it doesn’t hurt to ask.

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My friend filed for bankruptcy in 1996. It’s now off her credit report but a few collections agencies have been calling her about the debt that was included in the bankruptcy filing. Can they do that? I thought it was "erased" but they claim the limitation is up since it’s not on the public record anymore and they can continue to persue her for these balances. Is this true?

Absolutely NOT. This is a serious criminal violation subjecting the debt collector to $250,000 fines plus 5 years in a federal penitentiary. In addition, BK is a constitutional right. Thus, the civil matter makes it a violation of constitutional rights.

If I were your friend, I would immediately press charges and file civil actions against the debt collectors.

Why do consumers beat up on collection agencies so much when it was the creditor who put the consumer in collections?

Usually, when people have accounts in collections, they don’t have great character. Obviously there are people that mistakenly got into some credit and debt problems, but the majority of people that have accounts that go into collections are repeat offenders.

For those that don’t have it happen to repeatedly, they may dislike the collection agencies because they seem to call during the time your spending with your family, and they seem to call daily hounding you and hounding you for their money. I also think that collection agencies tend to have no sympathy for those people that are paying multiple multiple bills and truly do not have the money at that point in time to pay their bills.

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Specifically, for a large cell phone bill.

21 to 25% the most as allowed by law.

I have not paid my cc bill in 1 year+ as just a boat load of mishaps in my life. I intend on paying what I owe and ofcourse some type of penalty.

The collections agency has not conformed with the law as far as no harassment (I looked it up). I then looked up the agency and they have numerous complaints-even from people who agree they are in default (and some who’s bills were already paid off)

I want to get a good deal when negotiating a pay-off, but not to the agency.

Who may have access legally to my bank account balance?

AND any addt’l info on the whole, will be appreciated

Banking information can only be given out with express permission from you…or a supena from a court of law…you must give written dated permission (a fax will not do) Since they have your ssn they can pretend to be you which does lead to fraud but the bank is responsible for any losses you may also put a password on your acct to stop even that nasty trick…know that impersonating you is a federal felony. Check with your bank to see if anyone has tried to access your acct. This is a violation of FERPA law as well as the FDCI

If we said we can write off ALL of your Debts, Personal Loans and Credit Card debts. You would probably say that it was not possible and too good to be true. Well we know how to do it, using the Law.

Many lawyers and Banks know about this, but they dont want you to know.

Our services should not be mistaken for consolidation loans, bankruptcy, debt management, an IVA or any kind of loan or payment plan to repay all or part of your debt. We do not negotiate financially with your lenders. Neither do we deal with debt collections agencies. We take on all the work that needs to be done from the start, and we will deal with all your correspondence from banks, credit card companies and debt collection agencies.

We offer all this for a one off fee of only £175 this fee covers ALL your debts.

Give us a call at City Legal Solutions (nationwide) 01792 645770 or e-mail us at info@citylegal.org.uk
Let us take care of your finances!

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