Better Credit Blog

OCTOBER 5, 2020

If that’s the case, debt validation should clear things up quickly. Even more good news: this approach can work even if the debt is legit. Since Penn is a third-party debt collector, it may not have the info on file that it needs to validate your debt. How Does Penn Credit Work? Government.

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Consumer Financial Services Law

JANUARY 3, 2017

As was the case when the CFPB last highlighted debt collection in March of 2016, the most common complaints involved continued attempts to collect debt the consumer claimed was not owed, as well as communication tactics.

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Credit Management Company

MAY 3, 2022

The basic rules of debt collection still stand: Hours of contact are between 8 a.m. If consumers ask them not to do so, debtors cannot be contacted at work. Debt collectors are not allowed to threaten or harass. Debt collectors cannot tell any third parties about someone’s debt.

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Debt Free Colorado

FEBRUARY 21, 2022

Some states, such as Colorado, have laws that protect customers against debt collectors. You have rights to help you gain control over your debt collection interactions. To learn more about pursuing your legal rights, contact your state’s local consumer agency. Discuss your debt with anyone but you or your spouse.

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Better Credit Blog

APRIL 1, 2022

This doesn’t mean you no longer owe this credit card debt; it means you no longer owe the credit card issuer the money. Instead, you now owe the money to the third-party debt collector. That said, there is no harm in trying this method even if Capital One still owns your old credit card debt.

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Better Credit Blog

OCTOBER 7, 2020

Third-party debt collectors may not have enough information on hand to follow through with their collection attempts. If they can’t validate the debt, it will be dropped from your credit report and AMCOL’s calls should stop. Debt validation doesn’t always work. Negotiate with AMCOL Systems.

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Better Credit Blog

AUGUST 14, 2020

Using a simple debt validation letter template , you may be able to get a collections entry removed from your credit report without paying a dime. Since these agencies are third-party debt collectors, they don’t always have all of their debts on record. Failure to validate debt. Inappropriate contact.

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Better Credit Blog

APRIL 1, 2022

Is Credence Resource Management, LLC, contacting you about unpaid debts? The longer you avoid a debt collection agency like Credence, the more damage the agency can do to your credit score. It’s also possible that Credence got your contact information by mistake or that an error put them on your credit report.

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Better Credit Blog

OCTOBER 30, 2020

Is Ad Astra Recovery Services stressing you out with calls about outstanding debts? Being contacted by a collections agency can be frustrating, but the damage to your credit score can be far worse than their persistent phone calls and letters. Among other rights, it states: Debt collectors may only call between the hours of 8 a.m.

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Better Credit Blog

FEBRUARY 2, 2021

BGE Collections is a debt collection agency. If you fell behind on power payments from Baltimore Gas and Electric Company, their collections department could contact you. Along with contacting you, the company will add a collections account to your credit report, which could lower your score for years. Baltimore, MD 21201.

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Credit Corp

NOVEMBER 9, 2020

The Fair Debt Collection Practices Act is a federal law that protects consumers against certain unfair collection practices. It applies to only external or third-party debt collectors and only for personal debts. It does not come into play for creditors collecting their own debts. An employer (28%).

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Better Credit Blog

FEBRUARY 4, 2021

Here’s a quick breakdown of how debt collection works. When you fall behind on payments, your lender or service provider will make multiple attempts to contact you. If they don’t receive a payment from you, your debt will enter the collections stage. How Delivery Financial Services Works. Work with a Credit Repair Company.

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Better Credit Blog

FEBRUARY 19, 2021

If your loved one passed away while carrying debt in one of the industry’s above, you could be contacted by DCM Services to settle the account. Third-party collections agencies are called in when lenders and service providers are unable to collect payments from consumers. Healthcare. Financial Services.

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Better Credit Blog

AUGUST 31, 2020

ConServe is a debt collection agency that may contact you regarding unpaid debts. They are a third-party debt collector, which means that they may be hired by your original creditor, or they may purchase your old debt on the chance that you pay them instead.

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Consumer Financial Services Law

JANUARY 11, 2017

A New York District Court recently addressed the issue of whether the FDCPA requires passive debt buyers to personally register disputes or whether they can delegate that obligation to their third party debt collector/servicer. In Nunez v.

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Better Credit Blog

NOVEMBER 17, 2020

Individuals who’ve been targeted due to faulty reporting should absolutely start out with debt validation, but so should people who actually owe MBA Law money. As a third-party debt collector, MBA might not have the info it needs to validate your debt. All you have to do is mail in a letter.

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Better Credit Blog

OCTOBER 2, 2020

AWA is a small debt collector that has been operating since 1993, according to its BBB profile. You can contact AWA Collections at their mailing address: 100 Church Street. Now that you have a better idea of who AWA is and are familiar with the FDCPA, it’s time to get to work removing the debt collector from your credit report.

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Better Credit Blog

JULY 13, 2020

When a collections agency like MiraMed contacts you, it’s usually about a missed bill. MiraMed is a third-party debt collection agency, meaning it collects on debts for other companies and profits when the debtor makes a payment. The key to debt validation is acting quickly.

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Better Credit Blog

NOVEMBER 5, 2020

Because along with lowering your credit score, having debt in collections opens you up to frequent phone calls and letters from the collections agency. If you’re ready to stop RMS from contacting you and get their entry deleted from your credit report, read on. Ask RMS for Proof the Debt is Yours. It’s also free!

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Better Credit Blog

OCTOBER 5, 2020

If you missed a phone bill or canceled your AT&T account and forgot to pay the final balance, you could be contacted by their collections department. When AT&T Collections contacts you, it can damage your credit score for years and result in a string of unwanted phone calls and letters. Debt validation doesn’t always work.

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Better Credit Blog

NOVEMBER 4, 2020

While it appears as a collections account on your credit report , RCS is a third-party debt collection agency, and it’s completely legit. If you need to contact Resurgent, you should write to them at the address below: 55 Beattie Pl, Ste 110. Ask for Proof of the Debt. RCS has been in business since 1998.

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Better Credit Blog

FEBRUARY 24, 2021

They have been collecting on consumer debt since it was founded in 1983. Some third-party debt collectors buy debts for pennies on the dollar. But FNCB is hired by businesses to collect on debts. For example, the FDCPA limits when collections agencies can contact you. Ask for Debt Validation.

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Better Credit Blog

APRIL 6, 2022

But writing off the debt doesn’t mean the creditor will stop its debt collection efforts. In fact, the company might even hire a third-party debt collector to handle the collection process. This is important to understand in case you’re contacted by a collection agency you don’t recognize.

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Better Credit Blog

FEBRUARY 24, 2021

They have been collecting on consumer debt since it was founded in 1983. Some third-party debt collectors buy debts for pennies on the dollar. But FNCB is hired by businesses to collect on debts. For example, the FDCPA limits when collections agencies can contact you. Ask for Debt Validation.

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Better Credit Blog

SEPTEMBER 21, 2020

Has Capital Management Services contacted you claiming you owe them a debt? If you’ve been on the receiving end of calls and letters from a debt collection agency like CMS, it’s also negatively affecting your credit score. With a few simple strategies, you can get the debt collections agency removed from your credit report.

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Collection Industry News

NOVEMBER 6, 2020

“Key to this rulemaking was ensuring that creditors would have the ability to contact their customers and work with them to remain current or to assist them if they faced hardships,” Winslow continued. “We

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Better Credit Blog

SEPTEMBER 23, 2020

Among other things, the Fair Debt Collection Practices Act (FDCPA) protects you from inaccurate reporting and unfounded claims. Whenever a debt collector contacts you, you should immediately request that they validate the debt. But you should take a crack at this strategy even if the debt is legitimate.

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Better Credit Blog

AUGUST 31, 2020

Estimates suggest that close to one-third of Americans have debt in collections. If PMAB LLC has contacted you, you’re probably eager to get them off of your credit report and stop their incessant calls. Thanks to the FDCPA, debt collectors have to provide you with validation of your debts if you request it in a timely manner.

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Better Credit Blog

FEBRUARY 19, 2021

FMA Alliance is a third-party debt collector that works with companies to recover delinquent accounts from customers. They will relentlessly contact you for reimbursement and will also take a toll on your credit score. Other complaints are the result of a more serious issue with FMA Alliance’s collection tactics.

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Better Credit Blog

OCTOBER 19, 2020

Account Control Technology is a debt collector, and if they’re contacting you, it means you probably let a payment slip through the cracks. Confronting a collections agency about your debt can be stressful, especially when you’re receiving countless calls and constant messages from them. Get Proof that the Debt Is Yours.

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Better Credit Blog

OCTOBER 19, 2020

Account Control Technology is a debt collector, and if they’re contacting you, it means you probably let a payment slip through the cracks. Confronting a collections agency about your debt can be stressful, especially when you’re receiving countless calls and constant messages from them. Get Proof that the Debt Is Yours.

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Better Credit Blog

OCTOBER 14, 2020

If you send AFS a debt validation letter within 30 days, the agency is required to show documentation of your debt. AFS is a third-party debt collector, meaning they might not have the proof they need to continue to pursue payment from you. Dealing with Accelerated Financial Solutions.

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Better Credit Blog

FEBRUARY 5, 2021

The FDCPA was crafted to ensure accurate reporting and keep debt collectors in line. It sets clear standards for how debt collectors can interact with you. Debt collectors cannot contact other people about your debt. Ask for Debt Validation. Hire a credit repair company.

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Debt Free Colorado

APRIL 1, 2021

Also, it’s a violation of the Fair Debt Collection Practices Act (FDCPA) for a third party debt collector to disclose information about your debts to others. Are you trying to collect a debt or sign me up for a new loan? To: For privacy purposes I deleted the emails of 8 different people here.

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Better Credit Blog

FEBRUARY 22, 2021

Frontline Asset Strategies is a debt collector that you may hear from when you start to miss payments. They are a third-party debt collector that specializes in recovering unpaid bills from consumers like you or me. By demanding that they contact you through writing, specifically U.S.

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Better Credit Blog

DECEMBER 29, 2020

They are a third-party debt collector and auto loan financer out of California. Wilshire Consumer Credit should return with documents detailing your debt. Go through each page and make sure everything matches up with your own debt records. Work Out a Pay-For-Delete Agreement. Conclusion.

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Collection Industry News

AUGUST 30, 2021

I have since been contacted by collection agencies and lawyers attempting to collect on this ‘debt.’ I contacted everyone I could think of to complain about this, but my complaints fell on deaf ears.”. I do not know if my credit will ultimately be affected by this.”. Part of the collections letter that Doug received.

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