Why Comcast Sent My Account to Collection Agency?

Presuming that you prove to the agency you would paid it, I would assume that it would be removed completely as they took possession of an account that should not have been sold. The harassing calls should stop, at least, since you have viable proof of your claim. Make sure to explain this clearly to the car dealership.

1. How is a law firm trying to collect a debt different from a collection agency trying to collect a credit card debt?

Specific to US: This is because the debt has been syndicated out to more productive collection channels. There are myriad levels of debt collection and debt buying. It is hard to tease out where you are in the collection process with such a brief description. As a US consumer, you have certain rights at the state and federal level that you need to understand ASAP - see: Debt collection. Generally. the New Jersey Statute of Limitations on Debt Collection is three (3) years. If you have not made a payment or made promises to repay within in the last 3 years, it is a time-barred debt. If the debt is more recent, the credit grantor or collection agency or debt buyer may be working with an in-house or third-party law firm to collect. If you are served a summons to appear and just blow off the court date, the court will 100% rule in favor of the plaintiff and you will be subject to compounding debt as interest, fees, collection and court costs begin to accumulate.The above is known as a default judgment and the plaintiff can garnish your wages with a court order. Moreover, a default judgment is good for ten (10) years and renewable for another 10 years. Someone with a default judgment against you could decide to lay low and watch your career flourish. That judgment amount will continue to grow under allowable rates. So, a $3,000 unpaid debt could be $7,500 in eight (8) years. And that is when the plaintiff gets a court order and serves the Human Resources department at your place of employment. Not only will you have to pay a much larger amount, you will surely be embarrassed in front of your employer. If you are sued, you should appear in court and challenge the basis of the indebtedness. If the plaintiff has weak documentation, the court will dismiss the case - this happens quite often as the law firm was not the credit grantor

2. I have never heard from a Collection Agency regarding a Debt on my Credit Report...Can I still have them...?

Yes regardless to whether or not they send you a bill it is reported to the agency and 9 x out of 10 it is a collection accont. Find out if it is more than 7 years old they should not be reporting it anyway.

3. What happens if I write a complaint letter to a collection agency regarding their employee misbehavior?

Do you seriously believe the employee will be disciplined? Do not bother complaining to the collection agency

4. Can a health club send you to a collection agency for non payment even if it's month to month?

If you signed a contract for a year, to be payable in monthly installments, then yes. If you just walked in and said "I will work out this month for $25.00" and they said "OK", then when next month comes you are under no obligation to continue working out there. You are very vague, so by that I assume you have a contract and will be expected to honor your word.

5. Can a collection agency go against a verbal agreement?

Verbal agreements are meaningless. If the agreement is not in writing, there is no agreement

6. I am in total debt! I have a collection agency hounding me and I need to know what my best solutions are!!?

One dispute the collection that buys you 30 days for them to prove that it is yours. Next if in collections how old is this debt? If past the statute of limitations then you are in good shape (most states around 5 years) You might get sued worry about that when it happens if it is in collections then the main creditor does not own the loan anymore and will not and cannot file suit. They sold the debt for pennies on the dollar. If you are past the SOL let them take you to court that is your defense and they will lose in which case you can file suit for $1000 for going against the FDCPA rules. Right now the best thing you can do is educate yourself on the fair debt collection rules. Do not panic and make a mistake just Google it an educate yourself as to what your rights are.

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What Happens If I Write a Complaint Letter to a Collection Agency Regarding Their Employee Misbehavi
Do you seriously believe the employee will be disciplined? Do not bother complaining to the collection agency1. What happens when a debt has been sold and you send a Cease and Desist Letter to the collection agency?Be advised that you DO need to find out what the status of the account is before paying another dime. IF the original creditor still has the debt or it is IN HOUSE collections then you pay them. IF the debt was sold to another OUTSIDE agency then the payments go to them. In addition of your payments have been made to the original creditor BUT the debt was sold you will now have to make any payments to them that were due after the sale EVEN if you have paid the cc company already. Now a cease and desist letter merely makes the creditor/collection agency speed up collection processes including suin your in court if the amount is sufficient enough for them to bother.2. I have never heard from a Collection Agency regarding a Debt on my Credit Report...Can I still have them...?YES!! In fact, you should go to them directly. The collection agency does not know any of the details3. How can I find out if my credit card company has sold my debt to a collection agency?Oh, you will know ... when they start calling you at late hours, at work, and hassling you. Good luck4. Collection agency will not agree to my payment schedule in writing -- only a verbal agreement! I am suspicious?if you have been making regular payments to the actual place you owe money to, then tell the collection agency you are doing that and you will not deal with them - if teh original debtor has been accepting your payments, I don;t understand why they would be sending it to collections - where they will only get 2/3 of whatever the collection agency collects - do not deal with the coll agcy - keep doing what you have been doing - your payment history will back you up5. how do you get a collection agency to stop reporting on your credit report?There's a form letter you can send to have them validate the collection: (Your name) (Collection Agency) (Date) Re: Acct: # / Reference #: To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on (date). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, (name) check the website listed below for other sample letters. send it certified mail
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What Happens If I Write a Complaint Letter to a Collection Agency Regarding Their Employee Misbehavi
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