Subject: I have been trying to start payments on a 2004 delinqient CC
Wed Feb 27, 2008 6:22 am
I have have saved all my collection letters; one collector gets turned over to another collection agency and so on. Can't locate creditor/collector to make payments. I called the original creditor and they said they passed it on to bla bla bla collection agency. I have called original creditor back and forth and no one is holding my account, the original creditor doesn't even want it. I am preparing a letter to the credit bureaus detailing all this, including phone numbers I have called and the great effort I have made. I want to demand that the creditor and debt be removed from my report. I am new to this, ANY ADVICE?
Dispute the entries...there are sample letters to be found on this website. _________________ I don't dream since I quit sleeping
Subject: dont provide any info
Fri Mar 14, 2008 4:27 am
Dont give them any bank acounts sa they will empty it up, Dispute ur debt and most likely they wont be able to provide with 100 % proof so they can pursuit, then the credit buriau would hace to take collection off ur report, the older the debt is , the harder it is for the collection agency to provide proof as it changes from agency to agency.
I have disputed a few items and thought they should have been easy to get removed, not the case at all. Seems the collection agencies dug up enough proof to convince the credit reporting agencies to keep it on the report.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.