Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

Questions tagged [debt-collection]

For questions related to debt collection, debt collection agencies, unpaid debts, etc.

145 questions
103
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11 answers

Debt collector has wrong person and is contacting my employer

A debtor with my same first and last name and middle initial owes a student loan debt for a college in another state I never attended. The debt collectors have my previous address listed on the notice, and have contacted my work to attempt to…
Jamie
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94
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8 answers

How to deal with the credit card debt from family member that has passed away?

My father recently passed away and had some considerable amount of debt on his credit cards. House and credit card were in the deceased’s name only. The state that is happening in is New Jersey. In terms of monetary assets, he doesn't have any.…
user
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89
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5 answers

How to get rid of someone else's debt collector?

For the past three and a half years (as long as we've had this phone number -- a land line), we've been getting calls from debt collectors for the person who apparently used to have our number. The collectors don't believe that she doesn't live…
bstpierre
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87
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6 answers

I co-signed on an apartment for a now ex-boyfriend who refuses to pay. What can I do?

I co-signed on an apartment with my ex-boyfriend when I was 18 and he was 21. We broke up. I am now 26 and it has been in collections for years. He refuses to help pay the debt. I am now stuck with the bills for the apartment and not in the…
Kodi Canty
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76
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6 answers

A debt collector will not allow me to pay a debt, what steps should I take?

I was contacted several months ago about a debt collection for an incredibly small sum. I asked to be sent something in the mail where I could remit payment for it. The individual told me the debt would be cancelled and immediately hung up on me.…
Eric Urban
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65
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10 answers

Apartment I never lived in is collecting against me. Recourse?

I was looking at apartments a year ago, and found the "perfect" apartment online. However, I couldn't go look at it until the following weekend. Unfortunately, the apartment had already been listed for a while, and I was worried that someone would…
Soviero
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44
votes
3 answers

Why would a lien appear on a mortgage after 17 years?

I have a 30 year, fixed rate mortgage from the year 2000. I have never missed a payment and don't have any other debt. A couple of months ago, I a got a letter sent by a company I never heard of (working in conjunction with my mortgage company)…
Kathy Arbuckle
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36
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4 answers

If a debt collection company refuses full payment is the debt still valid?

I was charged on a closed account for a service I never received. It is only a couple hundred dollars. I never paid it because it was not a valid debt. I am trying to fix my credit. I called up the collection company ready to pay. They demanded…
RobC
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36
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11 answers

Bill payee can't find my payment and threatens debt recovery action

TL/DR Bill payee can't find my bank transfer and threatens debt recovery action. What to do? A family member is studying at a major UK university. Quarterly or so, the university raises tuition bills. Every time, bills are paid full and on time by…
Bennet
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29
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6 answers

How can I know if a debt collector is holding onto a debt?

Some time ago, I was contacted by a debt collector. A prior landlord had claimed I had owed them six months of rent. The landlord sold the debt to a debt collector, who then silently held onto the debt for several years, building up interest, before…
Village
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28
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3 answers

Received federal student loan collection letter, but never had one. What to do?

Yesterday I received an unexpected letter in the mail, a federal student loan collection letter from ConServe collections. I've never had a federal student loan, so it was quite surprising to receive such a gift! The letter is a little strange. It…
Matthew Drury
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28
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2 answers

Taking college classes to avoid student loan payments indefinitely

My sister-in-law has decided she wants to take part time college classes so she doesn't have to make payments on her private student loan and her plan is to do this until she dies. She graduated from college about 9 years ago so you can imagine…
Erica Grant
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26
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6 answers

Potential debt collection scam from National Credit Systems?

Yesterday I received a letter in the mail from an organization called National Credit Systems. In the letter, they say that I owe them $230 to the apartment manager that I rented from 3 years ago. I have 30 days to contact them. I googled this…
bf109k4
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19
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11 answers

Urgently need pre-paid debit card to pay debt collector

I owe a sum of a few thousand dollars to a debt collector. I've already gone through the steps of getting a confirmation of the debt and it is a debt I know I'm accountable for. I need to pay this amount soon as they've told me it's already filed to…
SP812
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18
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4 answers

Can a check be destroyed or does it have to be returned to the person

I sent a check for a partial payment of a debt to a lawyer. They now have requested I send them one check for the entire amount and once they receive that in-full check, they will destroy the partial check. Can they destroy it or does it have…
Sandy in Illinois
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