What Happens When a Debt Has Been Sold and You Send a Cease and Desist Letter to the Collection Agen

Be advised that you DO need to find out what the status of the account is before paying another dime. IF the original creditor still has the debt or it is IN HOUSE collections then you pay them. IF the debt was sold to another OUTSIDE agency then the payments go to them. In addition of your payments have been made to the original creditor BUT the debt was sold you will now have to make any payments to them that were due after the sale EVEN if you have paid the cc company already. Now a cease and desist letter merely makes the creditor/collection agency speed up collection processes including suin your in court if the amount is sufficient enough for them to bother.

1. Collection agency refuses to send contract. What recourse do I have?

So, you failed to keep a copy of the contract and you are now praying that the copy *they* have has this supposed if-you-move-you-do not -have-to-pay loophole. Be prepared to pay dearly for not keeping your OWN records.

2. Collection agency's pay for delete e-mail sent to me?

Personally I would want something on letterhead with a real signature. However, in the case of pay for delete, if the collector does not follow thru and remove the item from the credit reports, there really is not anything you can do. The credit bureaus wo not remove an item if you dispute using the pay for delete agreement. The item is legit and the credit bureaus wo not remove legit items

3. collection agency refuses to give me settlement in writing?

If they refuse to put it in writing, do nothing. End of story

4. Collection Agency wont send a letter saying they will report as paid in full?

they have to wait 30 days after they get their payment to beable to send out that letter. Also, they report it every 3 months and the CB updates your account every 3months

5. A collection agency extorted money from my sister by threatening my niece. I need advice?

Tell your bank that you want to protest payment as the money was obtained from a person not authorized to access your account, by means of deceit. This is a consumer fraud and it should be reported to the office of your state's Attorney General. EDIT> This is not a "he says, she says" scenario. While it is technically true that the customer has no proof, yet the truth can be told from banking records. The withdrawal transaction can be traced to the collection agency. The collection agency has no credible explanation as to why the transaction came from them instead of from the bank's customer. If this were my account that was compromised, I would support any criminal action that might be pursued, upon the belief that my account number had been unlawfully obtained, and might be used again criminally. For that reason I myself would be dissatisfied with a compromise or settlement that did not admit guilt. If it should happen again, it would be important to establish further guilt as to racketeering. If it were my account, I would assert to my state's Attorney General that Sprint employed a collection agency for the purpose of collecting a debt by unlawful means.

6. What is the most inappropriate experience you had with a debt collection agency?

My girlfriend died owing a LOT of money: student loans and medical bills. Just what she owed in principal was about $165K, and with interest I suspect it was well over $200K. I was being hounded by collection agents, even though I was not responsible for any of it. But I was the last number they had for her, so I got the calls.My favorite was an agent who admitted that I was not responsible, but suggested that if I accepted responsibility, then he would not have to tarnish her name by letting her family know what a dead-beat she would been. There have not been all that many people that I wished I could reach through the phone and strangle to death, but he was one of them. ETA: Please stop trying to use my answer as your platform. Any America bashing or "This is why Bernie wants to..." will be deleted

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How Do I Take a Company to Small Claims Court After It Has Gone to a Collection Agency?
Yes, you absolutely can take them to court--and win, too, if you can show that their information is UNsupported. It would cost the collection agency far more money to defend this type of action than to just settle, but even if they are hard asses, take them to court anyway. The damages, however, would have to based on any financial loss you have experienced due to their failure to instruct the credit reporting agencies to remove their derogatory information. Contrary to popular misinformation, you can also sue T-Mobile as well as the credit reporting agencies for the same reasons. Just look up what happened to Trans Union time and again. But it will initially cost you time and money.1. How debt collection agency from India can collect debt in Dubai?They can't unless they have agents in dubai. Here's a great article about collecting dubai debt in the uk which gives information about the cross jurisdictions but also will point you in the right direction if the debtor has returned to india with an outstanding debt owing from their time in Dubai or the UAE2. Can a collection agency file a 1099 on a debt that is past the statute of limitations?yeah i think it's either seven ot ten years, your debt was sold to a collectiona agency and they are threatenting you.3. Please Help! Collection Agency Won't Take Off Charge When I have Proof That It Isn't Mine!?You should take a legal action and hire a lawyer or attorney. He can fix your problem in better way4. What happens when you don't pay full amount to collection agency?All that would happen is the credit agency will send it back to American Express..then they will sell it to another credit agency. They try to threaten you in any way possible. .they want their commision. Pay it off when you can. ..lots of times credit agencies will allow you to settle the debt for much less than you owe. DO NOT TAKE OUT A LOAN5. Collection agency's pay for delete e-mail sent to me?Your fine on this one! I've received one of these letters from AFNI Credit Collections and RJM Collection agency when I demanded something in writing from them in return for full payment. Some will tell you that you have to get it in writing in the mail from an authorized agent of the company but seriously, they are not going to do that. I listened to people on here who swear that they wo not take it off but when your on the phone with the collections agency, they wo not do it. If you get testy they will send you and email out of fear that they are going to lose the commission so you pay and will probably get something in the mail within 10days for your permanent record. I did not have any problems with the credit bureaus taking it off my credit before I even asked them to, the companies kept their word. I say go for it!6. Collection Agency wont send a letter saying they will report as paid in full?No, i got trapped before by paying certain percentage they said, but the remain amount is still in my record, not even better than i did not pay anything. They are not gonna do things nice to you. It is just a thousand dollar, unless you pay it off, otherwise do not bother to pay any penny to them. that will be end up the same even thought you pay half of it. This is obviously a trap. They will come back for another part. Or you really wanna clear it up, go to the creidt union, show debt counsleor the statement the collection agency sent you, and ask for advice.7. What is the most inappropriate experience you had with a debt collection agency?I had an Amex charge card that I had never used. We had a cruise coming up and Amex was a great travel card so I decided to use the card, not realizing that it had to be paid off on 30 days. This was no credit card. So when I returned from vacation I found that Amex had sent my account to a collection agency. The agency was polite enough. They called me up and advised if I paid off the account within a certain period of time, any interest charges would be waived. Of course they lied. I paid off the account only to have them call back in a not so polite way and demand interest charges. I reminded them that the call had been recorded. They laughed and a "so what, you still owe it" response came out of her mouth. So I paid the interest, and vowed never to own Amex again. It took me awhile, but I managed to get my credit card rating back to where it was before they threw me under the bus. Lying collection agencies. My fault, not theirs, for being so trusting
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