Category «Collection agency»

Just my 2 cents….

After my husband and I divorced, he never paid his Sears Charge Card off. I recently found where it was listed on my credit report; however, I was just an ‘authorized user.’ I called them and since they could not find my SS# attached to any of their records, they said I was not liable and they would file a dispute with the credit reporting agency. The representative I spoke with said it could take up to 30 days, so I’m waiting to see what’s going to happen there.

Just thought I would let you all know.

It is only a good idea to pay the settlement

It is only a good idea to pay the settlement if you have the money to do so. If you don’t then don’t pay them.

If you are disputing the charges, then legally they cannot be dunning you. It seems to be an underhanded tactic that this creditor is using.

So, if this is the case then you might to get a lawyer and look at your options under the Fair Debt Collection Practices Act to see if you have recourse. You can collect up to $1000 for each offense under the FDCPA plus attorney fees.

If you wish to see the FDCPA then goto this link.

I am so sorry that you are going through this! We had the same problem with GTE wireless, now Verizon. Anyway, we canceled our phone with them, paid our last bill, then about 6 months later got a current bill that wasn’t ours at all! I called all the people and got statements from them that they didn’t know us, and they were nice enough to send them to me. I sent it all to them and they still said it was my bill.

In the long run, after fighting it for 7 years we just took a settlement with the 5th collection agency that they have sent it to. So after going through what you are going through, I would settle and save the years of bad credit and headache of collection calls. Also, after we paid they updated our credit report to say that we had paid, which looks better then collecting.

Collection agency help

About one year ago, i had an account w at and t wireless.. it was a horrible experience. their billing was a joke. they were double and triple charging our account for phone calls. we had a shared plan.. we have been disputing the charging ( 1562.00) with them for a year. the charges belong to a collection agency and we continue to dispute them. now we are on the the second collection agency, they sent me a settlement for half the charges, so that i could pay them about 781 and settle w them.

i got this letter that week, and the offer expires dec 1. they said in their letter that this is a one time special settlement, but the settlement has to be paid be dec 1 ( cutting it a bit close), and in a one time payment.. is this a good idea? should i do it? the only way that i can afford to pay it, if i put it on my credit card…

if they keep switching collection agencies, i will keep disputing the charges and explain to each collection agency all the errors w their billing systems.

please advise me.

thanks a bunch, i look forward to hearing some solutions. happy holidays! 🙂