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IPAYMYBILLS
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Subject: Easiest Way to Stop Collectors
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Sat Mar 13, 2010 2:47 am
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| IF YOU CAN'T PAY FOR IT, DON'T BUY IT!! SIMPLE AS THAT. |
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guest
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Subject: ccs
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Wed Mar 17, 2010 4:46 pm
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| I received a letter from credit collection services stating that adverse credit reporting information is scheduled to be reported to a credit bureau. It further states, to avoid credit reporting your immediate attention is required and then it say remit payment in full in the envelope provided OR visit our website and establish payment arrangements with this office. Well I visited their website established payment arrangements and made all my payments on time. They still put me in the credit bureau as a collections account. I called them I read them back the letter they sent me and they told me it did not matter they have the option of putting me in the credit bureau if they wanted after I had already done what they asked for. I also contacted progressive insurance to see if they could help me get this off of my report but they just wanted me to get insurance with them again. So now Im screwed cuz I watch my credit and this really dropped me. My fault in the first place for missing a payment, but when I tried to resolve it with ccs and payed them under the assumption that it would not go on my credit report they turn around and screwed me. If you look on the MA better business bureau sight they have the most complaints (276) out of any other collection company their size |
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Emily
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Subject: CCS concern
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Sat Mar 27, 2010 3:45 pm
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They called my parents' house for a lob bill that I owe in the amount of $45.00. I called them, told them I'd send a money order and the guy on the other end of the line at CCS tells me to get a moneygram, and have it wire transferred. i went to Wal-Mart to ge the money order only to learn that a domestic money transfer costs $11.00. I just got a regualr money order and will pay through the mail.
We got our refund last month and my husband said we already paid that one off. Anyone else already paid a debt and had them saying it's still unpaid? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Sun Mar 28, 2010 12:18 am
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| Yes that has happened to me, I have always had the reciepts to cover my butt on it and will always ask for a paid in full from the company. You can also write paid in full in the memo of the money gram or some statement to that affect. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Tue Mar 30, 2010 12:55 am
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| I too had this happen but it was through a tax bureau. I got a letter stating I did not pay a certain years personal tax and went ahead and paid it plus the huge penalty thinking I could have very well missed paying it. Two weeks later I got another one for the following year. Knowing there was no possible way I missed to consecutive years I went to my tax collector. The one I already paid was paid by me on time. The new one that came in was not, I missed that one. They would not apply the money I had already sent to the following year and was not required to refund it. I ended up having to pay for both years. |
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cheryl herman
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Subject: phone call over a debt
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Thu Apr 08, 2010 10:02 pm
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| I received a call saying I owe a debt on something and I tried to get in touch with someone and can't get any contact |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: validate debt
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Fri Apr 09, 2010 9:10 am
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Hi Cheryl,
Pull a copy of your credit report and check if there is any collection agency listed against any of your accounts on your credit report. If you see any new collection agency, you can send them a debt validation letter through certified mail, requesting a return receipt. You will get a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .
Thanks,
Aaron
_________________
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LiLJiLL
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Subject: Where does debt go after 10 years
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Thu May 06, 2010 8:41 pm
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| What happens to credit card debt once it has been 10 years? Does it still stay on your credit report? What it you just never pay it or forget about it? |
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Ipaymybills
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Mon May 10, 2010 2:06 am
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| Just pay it or stop [word removed as per forum rules and regulations] about it or change your phone # or just ignore it I mean god if it's an 800 # isn't it obvious enough it's a telemarketer or a collection agency how dumb can you be it's not wonder you all have trouble keeping track of your bills. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: debt on report
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Fri May 14, 2010 10:38 am
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Hi LILJILL,
If you don't pay your debt, the delinquencies are being listed on your credit report. This can stay on your report for 7 years, and hurt your credit.
Thanks,
Aaron
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Karen b
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Subject: I pay my bills as well
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Sat May 22, 2010 3:36 pm
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To I pay my bills~~ I didn't buy it
Comcast claimed they did not suspend my service when asked ( we leave for the Winter) they admitted it but had sent the bill for a box that was shut off to CCS
I have taken up many many many hours too resolve the issue and now Comcast and CCS are going to Small claims.
CCS lies and breaks Ma Law.
It's not about the money I have it.
I am sick of the harrassment and suggestions that I just pay for something I don't owe.
So you're right "if you can't pay for it don't buy it"
but don't pay if you don't owe. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: debt validation
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Mon May 24, 2010 12:13 pm
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Hi Karen,
If you are unsure about the debt, you can send debt validation letter to the collection agency. This will also stop them from filing a lawsuit against you. You can use the sample debt validation letter available with this site to write one of your own. Send the letter through certified mail, requesting a return receipt.
Thanks,
Aaron
_________________
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Kira
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Tue Jun 01, 2010 10:55 pm
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In August of 2005, I was 17 years old and involved in a "fender bender" with another driver. I was at fault but I did not have insurance. I've been paying the insurance company since November of 2007. Recently, I missed a payment and called in and now they are demanding I pay 10% or they can't establish another payment plan and my license may be suspended. I'm almost 22 now and very scared. I don't have the money and I need my car to drive to work.
As far as the accident went, I owed $8,548.51. I've been able to bring it down to $7,000 but it is such a burden. I can't even recall if I ever received ANY proof as far as injuries went, and as far as I know the damage to her car was not that bad. How do I find all this out? I've seen a lot of negative information about CCS (Credit Collection Services) online and I'm worried. How can I get all of this information to make sure I wasn't screwed over??
I know it was a bad mistake and I regret it. My parents did what they could but I was young and unable to pursue things myself. I'd just like to know that, if after a few years, I can still do anything about this?? |
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Kira
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Tue Jun 01, 2010 10:57 pm
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| Quick note - I live in California. Any advice would help. I'd just like to validate this claim and see WHY it is so expensive, because I'm not so sure we ever really did. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Wed Jun 02, 2010 10:50 am
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Hi Kira,
I really feel bad for what you are going through. However, you won't be able to validate this debt, as this has still not been handed over to a collection agency. It is still with the insurance company (considered to be the original creditor to whom you owe). You can try debt validation with original creditor.
As for the payments, you can first make a copy of your monthly income and expenditure. Write a hardship letter to the insurance company, and attach a copy of the monthly income and expenditure.
As for the information, weren't you taken to court because of this accident? The judgment itself is supposed to provide you with all the informations on the debt.
Hope this helps.
Regards,
Aaron
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