Hello, I received a Collection letter in the mail today. I called and the woman on the phone stated can you pay a lower payment and I said yes. I know this was a mistake. But she said she will check with her manager and call me back. The collections is from a 2017 hospital bill. But there is nothing on my credit from this agency or the hospital. My questions are do I pay this debt that is not on my credit? If I do pay is will the company report to the credit bureaus? Or do I send a validation letter? I’m leaning towards not paying it but I don’t know if it will go on my credit even though it has not in 3 years? Any advice would help. Thank you!!
Hi, I've gone into a bit of credit card debt that I cannot pay. 4 separate cards totalling around 25k. Amex has just emailed me saying that my account has been transferred to Zwicker & Associates for collections. I have basically no assets, just a cheap old car and household items. I moved out of the country a year ago and unfortunately have had trouble with work due to Covid and starting over here, so I ran up my credit cards. How should I respond to the coming collection letters and what are my options from here? Thanks so much.
Almost 40 days ago I sent in 3 dispute letters to all 3 CRA's. I received nothing back from EQ, EX sent me a copy of my report with no changes or notes, and TU deleted 4 accounts. Is there any way to leverage TU to help with the other CRA's? Thank You for any help!
I tried to schedule an appointment with my doctor the other day, I was informed I have a past due bill that was sent to collections in 2014. This bill has never shown up on my credit. I called today and asked they send me an itemized bill, I’m not sure if this debt valid or not. I had insurance in 2014, I wonder if there was a misstep with the doctor’s office sending the bill to insurance company then contacting me for the remaining payment. I do not want to take the chance of paying on something (if it’s not valid) then it shows up on my credit.
Should I follow this path (if it’s valid) of paying the debt with a bank check or money order with an endorsement on the back "for deposit only to the account of (name of Dr.) using https://whychat.me/hipltr.html insert "a?" Should I contact my insurance company from 2014 to see what was paid and what was not? Not sure how to proceed since I haven’t been contacted and this is not on my credit. I've used WhyChat's method before but not in a situation like this.
Can I get some guidance on how to remove some old paid off charge offs from my CRs?
-CAP 1 paid charge off in 2016
-CAP 1 paid charge off closed in 2015
-Santander paid charge off in 2017
-An old student loan that was 120 days late that was closed to transfer in 12/17
Covid hit me hard so I have tons of charge offs and collections for other accounts that are recent that I know I won't be able to do anything with
Any advise would be greatly appreciated