I need ideas about an online debt collection system?
408664
probably the same way a offline system works.... i don't have debt YET so i can't really answer... but depending on the size of the project, i wouls assume an online system would be a server, maybe SSL, a database, a team of people to input data, and then a way for you to manipulate the data to the debtor.???
61777
Seek out consumer credit counseling through a non-profit debt counseling service.  Here is an example.\n\nhttp://www.cccsintl.org/\n\nBe sure to go to a non-profit.  I did years ago and they helped me.  I only had to pay a few dollars a month for postage, because they mailed my payments.  They will be able to negotiate settlement / payment terms with your credit card company. credit and your life back in control. \n\nGetting the cards under control is only half the battle. You have to get control over your budget.\nOnce you have your expense and debt under control you'll craft a plan to service your debt. One more thing I did, and it was no fun, was to get a second job.  Think of it as a short term way to pay your debt faster.\n\nIn the end you'll have good credit and you'll be proud that you did it. \n\nGood luck!
1170022
Visit Creditboards.com or creditnet.com. Lots of helpful people there that might be able to point you in the right direction.\n\nGood luck!
585440
Read the link below.  It discusses what the statute of limitation is, and what the length of time in your state is.  Most states run 4-6 years, but some are more.  So look at the link.\n\nThe very first thing you need to do is send the collection agency a "demand to validate".  This is a demand that they send you proof that you have a legal obligation to pay this debt.  They must send you copies of contracts, bills, receipts, and everything used to calculate what they claim you owe.\n\nInclude in this letter a statement that you do not believe this is your debt, and tell them you expect some proof.  Also remind them that posting unvalidated reports to your credit history is a violation of the Fair Credit Reporting Act, and they can easily be sued in small claims court for $1000 if they try to do it.\n\nAlso include wording to the effect that they must cease and desist contacting you.\n\nSee the link below for a sample letter you can use.\n\nIf you have not checked it recently, get a copy of your credit report and verify that they have not posted anything on your history.  You can get a free copy by going to http://www.annualcreditreport.com\n\nContact me if you need further advice or encouragement.
97740
First my battle cry....\n\nYou are about to go to war.  Do not fight these guys unarmed!  Your weapon is knowledge of the law!  Go to the link below and read up on the Fair Debt Collections Act.\n\nThe debt collectors are armed...they know these laws.  \n\nStopping the calls is easy.  Use the sample letters below, and send them a CERTIFIED letter.  It's not necessary to get a return receipt, you just need to prove you sent it.  If they continue to bother you then sue them!\n\nThere are other ways, but without knowing more about the who's and why's they are bothering you I can't help.  \n\nI am not a lawyer or a credit counsoler.  I am someone who has been down this path and counsoled others in dealing with these jerks.\n\nIf you need help or encouragement contact me.
1023678
well you could do a form that emails somebody or multiple people the information , but then somebody at the office is going to have to run the person, spend the money to get their credit score/history, ect\n\ni would check out experian.com to see if they have something already put together in a affiliate package where people can check their credit score from your page and print it out and give it to the boss with their credit application, and you will get a piece of all the action that comes from your website . . .
116140
get a co-signer to secure your credit card.  they can help you re-build it.  otherwise you have to wait something like 10 years to get the collections to drop off of your report.
31795
You have Fair Debt Collection Practices Act to help you.\n\nHere are some of the important points:\n\nThis law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections:\n\n• It prohibits debt collectors from using abusive, deceptive and unfair practices such as:\n\n• Using abusive language or making threats.\n\n• Using the telephone to annoy you.\n\n• Contacting you at inconvenient times or places.\n\n• Misrepresenting themselves to you.\n\n• Threatening a lawsuit or other action.\n\n• Collecting more from you than you owe.\n\n• It establishes the procedure for debt collection:\n\n• First, within five days after the initial contact, the debt collector must send a statement of the amount you owe to the creditor, and what action you can take if you dispute owing the money.\n\n• Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector cannot make further collection efforts until you receive proof of the debt.\n\n• Third, the debt collector cannot collect for any debt that cannot be verified.\n\n• It limits debt collector contact with third parties (except to locate you).\n\n• It requires that if you owe several debts, the money you provide must be applied as you wish.\n\n• It restricts debt collectors from trying to collect any debt in dispute.\n\nNow that you have the law and what it tells you, you are more empowered than you were previous right?\n\nHope this helps,\n\nJohncy Edward\nYour Trusted Credit Repair Guru
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!
324823
Establish a history of making payments on time and in full.  If you can demonstrate that you can pay off your debt in FULL each month, your credit will rise very quickly.\n\nThat is something that you want to work on asap, too, because the alternative (bankruptcy) is not a great experience!
1116520
Yes!  I consolidated my debt using  a company called Auriton- they have a wonderful customer service team and it was easier than you'd believe.  Less than three years later and I am 100% debt free!
687367
Small claims court depending on the amount of the bill. You could also send the bill to collections.
977931
Offer a low percentage in writing and make sure you dont pay over the phone.\n \n\nUse the letters in this http://www.expert-credit-advice.com/ free credit repair kit to make the offers, it worked great for me!
626868
Contact your state's Attorney General. Their office should be able to give you all of the rules for debt collection in your state.
317036
Here is a method I used once to get rid of a legitimate debt that I owed. You may be ablet to adapt this and use it for yourself. \n\nI owed a $485 bill to AT&T that I refused to pay until they took down a cell phone tower that had been illegally erected right next to someone's back yard. Of course they ignored me, so I ignored them right back and things went round and round for a few years like that. finally the debt was sold to a collection agency and then to another one and finally to one in Florida. Up to this point none of them had reported it to any of the credit bureaus. Suddenly one day, there it was! A festering puss-filled sore right in the middle of my credit report! I immediately wrote a letter to the collection agency saying that the debt was not mine, that this was an old debt (by now it was over five years) that was being shopped around until they could stick it on somebody. I told them this was very damaging to my credit, that I had no other late payments, and I demanded they remove it immediately. Also, I said, at the time this debt was incurred there had been two other people living in the same county as me with exactly the same name as me, and it must have belonged to one of them. Again I demanded that they remove this thing from my credit report. About two weeks later I got a very apologetic letter from them saying how sorry they were for the mistake and yes it would be removed from my credit report immediately. It was and I never heard from anyone about this again.\n\n"Hell no," said Tom. "I'm not paying this. You can take this bill and shove it!"
28453
Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood luck.
174980
Depends on how you paid.  I use a credit card for as much as possible and use an online bank for everything else.  Relatively easy to total specific payments.