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Trying to help a friend and not sure what to do. They were just served with paperwork from the Courts in Osceola County, Fl. It was filed by Raush Sturm on behalf of Sears for some appliances purchased almost 5 years ago. The account was interest free and when it came time to make the final payment it was offered to Sears to split the final payment within 7 days of each other to clear the account. They refused and final payment was not made. In the documents they included only 1 statement which shows a balance now due of $9027.70 as of 1/9/2019. Currently she has 10 days to answer the court complaint and I have no idea what we need to document or request. The amount is beyond ridiculous and she is currently a full time student with an unemployed spouse. Is there a way to request validation of the debt with all statement copies and proof it was purchased individually and not a bundle purchase (meaning they have no documents to prove they rightfully own?)
Any help or guidance is greatly appreciated. I have been reading on your boards about them being in the Hall of Fame for bad collectors.
For the past week or so, I've been reading up on ways to deal with a CA that recently showed up on my credit report. I stumbled upon Why Chat's HIPAA program, read through it, and while it's quite clear, I just want to make sure it is the right thing for me. I'd also like to use it to ask potential follow up questions along the process.
It showed up on my credit report June 28th, with a Date of First Delinquency of February 20th, 2017. At the moment, it only shows up on Equifax and Experian. It's from a hospital visit in California, and I am from and currently live in Arizona, and while I did have medicaid at the time, I was told that it would probably not cover it, but they'd let me go through with it anyway.
I started to get bills from the Riverside County Medical department, but I initially ignored them, as I was an unemployed college student, and my mom advised me it wouldn't matter anyway; The bill was for $991. I'm now 23, and have been working hard on my credit score, this is the only blemish on my record, and I would love to get rid of it completely.
I have a few old addresses on my credit report, but they're all from years before this account, and I've lived at my current address for around 11 years now. Do I still have to go through the deletion process for those other addresses? Other than that, I'm thinking my first step would be to fill out and send the "Initial HIPAA Dispute Letter" to the two CRAs that show the collection, is this correct?
Thanks in advance for any help!
In 2016 and parts of 2017, I've had a few credit cards go into collections.
1. Credit Card from a bank is about $20,000.00
2. Credit Card from a store is about $5000.00
3. Credit Card from a bank is about $5000.00
4. Credit Card from a bank is about $3000.00
At the time I was not working and did not know about negotiating/settling .
I am now working, making about a small $33K a year.
Should I pay off this debt? Do I call the collection agency's and pay it off? What's the best route to take?
I'm at a 802 credit score. I've never been in collections and while I have debt, it is all student loan debt that I am paying. I've never had to help someone with bad credit before. We are both in our late 20's. Her score is around a 630 transunion and 700 equifax.
I finally got a new job and moved my fiancee from Texas to NY. We are interested in getting married and getting a house/moving for her degree in 1 to 3 years. She does have some credit problems that we would like to take care of. She's never had anyone tell her how to handle credit or anything, so she is oblivious to it all. She has medical collections because her mother told her that she paid her medical bills at the time, but she actually did not, and she took her at good faith for this. I am helping her learn but it takes time.
She has about 1100 to 1700 total in collections. Trans-union and Equifax somewhat show the same thing just Equifax show's t-mobile and transunion does not. All of her collections other than T-Mobile are medical based. She has 7 collections total, with phoenix financial having 3 of them all from the same date. She also has a charged off card not showing in collections.
Paying them off isn't a issue as she has more then enough to pay them all in full, but I want to get everything I can off of her account. All of these collections are from texas prior to her move here in NY. The amounts I posted below are not the exact amounts but close.
First Electronic Bank - 600$ - Closed End of 2014 (5 Yrs Old) - Charged off as bad debt, profit and loss write-off - (Not showing in collections, only under closed accounts)
Wakefield & Associates - $600 - Opened End of 2015
Merch & Prof CollBur - $15 Opened End of 2015
Creditors Bureau USA - $230 - Opened Mid 2018 - Consumer disputes this account information, meets FCRA requirements (She told me she's never disputed anything)
Pheonix Financial Serv - $124+130+91 - Opened Mid 2019
Convergent Outsourcing - $367 OC = T-MOBILE Opened - Mid 2019
I'm reading through all the HIPPA stuff on this forum but it's a lot to take in at once, any advice for us? I want to keep communication on the phone at the minimum with any CRA.
I am looking for some advice. I am able to make all of my payments, but I feel like I'm spinning my wheels and getting nowhere. At the end of the month, I have approx. $290 leftover as "discretionary income", but this goes towards gas, groceries, etc. Any extra cash I get, I throw at my debt, but that means I have $0 to add to my savings. Since I have $0 savings, anytime I have an emergency (like a medical issue), I end up having to put it on a credit card, pushing me futher into debt. I would like to avoid bankruptcy, because I don't want to lose my car or house. With $16k in credit card debit alone, I'm wondering if that's my best option though? I know my federal student loans will keep haunting me for life regardless, so I'm honestly just paying the bare minimum to avoid harrasment/garnishments. I'm also practically underwater on my car. . . I was quoted it's worth at $6,900.
CC 1 CC 2 CC 3 CC 4 Car Loan Personal Loan Federal Student Loans Mortgage Total Debt Balance $8,462 $4,673 $2,267 $1,230 $7,508 $8,099 $59,850 $101,358 $193,447 Interest Rates 18.00% 0.00% 23.15% 23.99% Payments per Month $150 $100 $70 $40 $295 $328 $217 $730 $1,930.00 Utilities, etc. per Month $580.00 Bring Home $$ per Month $2,800.00 Leftover $290.00