Debts and Credit » Fair Debt Collection Act Legal Questions and Answers

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How Can I Defend a Credit Card Debt that Doesn't Belong to Me?

In 2006 I was contacted by an attorney on behalf of a collection agency saying I owed money on an old credit card. I first I started to pay them and then realized it was not mine. I stopped paying them and they said nothing for about 4-5 years. Now they have contacted me again and are going to take me to court to get my company to garnishee any monies paid to me to pay this...

04/16/2012   |   Category: Debts and Cr... » Fair Debt Co...   |   State: New Mexico   |   #25657

What Do I Do if a Creditor I Don't Know Sends Me A Bill?

I received a collection notice from afni on a debt with a company I have never done business with (Frontier ON-Line) The balance is $207.45 They say I have 30day to contact them. So the question is how do I handle this? Do I pay it? ignore it? what do I do?thanks Dustin

07/19/2011   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Minnesota   |   #25204

Should Violations of the FDCPA be Raised When Settling a Debt?

I have been served on an old credit card debt (last payment in February of 2008) and would like to offer a settlement to a 3rd party collector - offering up to $8,000 on $26,000 debt. This collector and several others that were assigned to it before repeatedly violated FDCPA. The suit, in fact, was served at my in-law's home, a place in another parish where we have never lived...

04/04/2011   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Louisiana   |   #24561

Can a Debt Collector be Sued for Trying to Collect a False or Erroneous Debt?

Can a Credit Services/Collection Agency be held liable for 'prosecuting' or seeking monies from a defendant in a totally unsupported (factually) legal claim? To further clarify my question: Is a credit service co. immune from suit when representing a plaintiff seeking monies for a totally unsupported claim? The credit services actions harm the defendant's credit plus has fo...

11/21/2010   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Oregon   |   #23684

Can a debt collector threaten me with arrest and harass me on the phone?

I recieved a phone call from a collection agency he wanted ss and other personal info but would only give me his name nothing more i still dont have the name of the company as he said he was with the credit union/bureau he refused to give me a phone # or fax and proceeded to threaten me hence 'I AM GOING TO SEND THE AUTHORITIES TO YOUR HOME AND HAVE YOU ARRESTED' after more thr...

09/16/2010   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Texas   |   #23182

How Do I Get a Creditor to Stop Calling Me at Work?

I received a court paper that I was sued in small claims court. It was ruled by the court on 03/09/2009 to Cash call.. The court ordered case dismissed without prejudice. Can this company still harass me at work? for money.

02/14/2010   |   Category: Debts and Cr... » Fair Debt Co...   |   State: California   |   #20960

How Do I Remove an Error From My Credit Report?

I lived in NY until 2009. I live in Hawaii now. On my credit report a company is saying I owe $1500 in old NY vet bill. The vet gave me a letter that says it is paid and no collection was made. The company is nasty and supplied no documentation but still hitting my credit report only through experience. How do I handle this?

09/02/2009   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Hawaii   |   #18405

How Do I Stop Harassment By A Debt Collector?

CPS, a collection agency called me about a year ago and said I owe $535.81 to a company called Checking Check Cashing from 1998. First CPS said it was for a loan someone took out in my name. They started calling me again two weeks ago and now say it is for a returned check. CPS has not given me any documentation on this nor have I received an invoice or documents from anyone ...

07/30/2009   |   Category: Debts and Cr... » Fair Debt Co...   |   State: California   |   #17879

What can I do if the credit card company that is suing me never gave me an explanation of charges?

I'm being sued for a charged- off credit card balance that I had a dispute of two cash advances. my credit limit was $2000.00, the collections are saying I now owe them over $5,500.00. Can I get this dismissed on the basis that my dispute was never resolved due to the transition of Fleet bank to Bank of America. My court day is July 1st. No one has provided me with an explanati...

05/27/2009   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Florida   |   #16794

What is the best way to handle these collection agencies to get them to stop calling?

My father in law passed away in October/08. He left no will, no power of attorney to my wife. From his bank statements we could find only $800 in the bank and we can't even withdraw that. We sold his car and belongings for $1400 which basically covered his final costs. He apparently had a lot of debt since we are now receiving calls and letters from two collection agencies, ...

01/07/2009   |   Category: Debts and Cr... » Fair Debt Co...   |   State: Kentucky   |   #14933
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