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Sandscrit

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  1. Try to pay the original creditor if you can and by pass the collection agency. Also get any agreement in writing and it never hurts to ask that any negative trade line reporting be removed. Be friendly maybe they will help you if you pay a lump sum. Is this a medical bill?
  2. I agree with Centex on this one. You would be better served in working out a repayment plan rather than what will probably follow: The phone calls The letters The potential of getting sued for not only what you owe but also interest, lawyers and court fees A default judgment comes with additional fees if the plaintiff isn't payed and in many states can be renewed for many years making it almost impossible to repay the debt. In some states they can take your property, empty your bank accounts to satisfy a judgment if they want to collect Years of bad credit on your credit report that could possibly get your into trouble on the job Years of rebuilding your credit
  3. What state ? Contract law can vary from state to state
  4. I saw an older woman in a beautiful yellow sun dress with hairy legs and enough arm pit hair to be a member of ZZ Top. She was the curator of a museum in Verona Italy.
  5. Write Convergent a letter, Certified Return Receipt Mail and tell Convergent they are out of the loop since you paid Sprint directly. If they do not remove the negative trade line immediately you will contact a fair credit reporting act consumer attorney and let them deal with it. It could also be Fair Debt Collection Practices Act violation for false or misleading representations of a debt but that might be a stretch.
  6. You should have fought this when you had the chance.
  7. Do not contact the collection agency. See Why Chat's Special purpose letters > HIPPA letter program above the page in the blue bar.
  8. The American education system has been engineered to fail through UNESCO
  9. The Colorado Fair Debt Collection Practices Act is probably what you are looking for @ https://nolo.com/legal-encyclopedia/colorado-fair-debt-collection-laws.html The Fair Debt Collection Practices Act , more than likely, applies to your situation on the Federal level. False or misleading representations of a debt through any medium is a FDCPA violation.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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