Can the Collections Company  do this, if so what should I do?
474347
Whoa.  Here's my 2 cents.  The difference between a paid collection and unpaid is the diff. between being hit by a car or truck.  Not much, cuz they both hurt like hell. The damage is done, so why pay?  If a letter was all that was required to remove derogs from your credit, wouldn't everyone be able to get one?  Fact is fact, so I've been reading all this about getting letters and removing and blah blah blah.  There's one simple way to remove derogs.  If you're conscience drives you to pay, that's something you've got to deal with.  As for forms, DO NOT GIVE THEM ANY INFORMATION OR SIGN ANYTHING!!!!!!!!
708076
Deana,\n\nContact the bank and advise  them that somone somewhere has screwed up really badly and put you back on the collection list for the same debt. Then contact the collection agency and tell them that the  loan has been paid already and that there has been a mistake and they should contact the bank.
808208
No your contract / agreement is with the original compnay - they have the agreement with the collection agency - if you have paid in full then tell them to go away...if you feel so inclined then you can show them proof but you are not obliged to - refer them back to the original company.
975925
Keep a log of the date and time when the collector calls.\n\nAfter you read the site listed below, you should send a letter by certified mail to the collector's business address. In that letter, state the following:\n\n"You are to cease and desist all further contacts with me, pursuant to the Fair Credit Debt Collection Act."\n\nYou will be given a receipt for the letter at the Post Office. That with a copy of the letter you wrote will be your proof that you notified the collector, in wrting, that it was in violation of the law.\n\nIf the collector continues after you recive a recipt that they got the letter, You can sue a collector in a state or federal court within one year from the date the law was violated. \n\nIf you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees can also be recovered. A group of people may also sue a debt collector and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever is less.\n\nYou must, however send the certified letter to the collector, and see whether they continue to violate the law.If possible, get a recorder for your phone. If the collector calls, you must notify them that you are recording the call for use in a lawsuit against them. State the date and time after you say this.\n\nThey would be extremely foolish to continue calling after that time, or otherwise contacting you, because of he lawsuit threat.
195335
By law, the collection agency must "validate" your debt.  That means that, upon written request, they have 30 days to supply you with copies of contracts, bills, receipts, and anything that was used to calculate the amount that you owe.  If they fail to supply this, they must remove your information from the credit bureau, and must stop bothering you.\n\nYou are about to go to war!  Do NOT fight these guys unarmed!  Knowledge of the law is your only weapon, go read the links below and GET ARMED!  \n\nYou got an easy slam dunk case here.\n\nFrom this point on, keep a log of every call you make/receive regarding your debt, and copies of all letters.  You will need this if you wish to prosecute.\n\nUse the sample letter I supplied below on how to write a request to validate letter.  Send it by certified mail to the collection agent.  \n\nAfter 30 days, if they do not respond, send letters to the credit reporting agencies, along with a copy of your validation letter, and demand that they remove any negative report that is in your file.\n\nIf the collection agency does respond back, and the information is not given or incomplete, send them another letter and demand it again, but this time threaten legal action if they place anything on your history.\n\nJust keep the credit bureau's informed of the problem, and if they don't remove the history hire a lawyer and sue under the \nFair Debt Reporting Act.\n\nI'm going to bet that you don't owe a lot on this, right?  Less then $200?  They won't even bother to sue you.  They will send it back to the original creditor.  It's not worth the time of the Collection Agent to sue you for that small an amount.  The only weapon they have is your credit history, and if you follow my instructions will stop that.\n\nGet armed!  Read the links below!
491605
Hello!?!?  You owe them money!  To get them to stop calling, PAY IT!!  Just because you didn't publish your phone number doesn't mean you're no longer liable!\n\nP.S. The answer about the collection agency is not right.  It may have been in your original written agreement that you would still be liable after the debt was sold.
968725
These companies offer to collect on debt that has long sinced dropped off your credit report.  They tend to be very aggressive; but you can absolutely tell them to go pound sand.  There is absolutely nothing they can do.
1032164
I think this is a new area of concern and that there isn't policies as to rights set in place yet.  I could be wrong.  Talk to a lawyer.\n\nBe thankful that your company told you so you can keep an eye on your credit reports and be more aware if something looks fishy.
849017
Call your attorney and ask him how to go about collecting.
1073560
THIS IS NOT LEGAL ADVICE.  YOU SHOULD SEEK ADVICE OF A LAWYER IN YOUR STATE FOR ADVICE REGARDING STATE-SPECIFIC  AS WELL AS APPLICABLE FEDERAL LAWS.\n\nOK - got the disclaimer out of the way.  \n\nYou could always pay the bill and provide the creditor with the payment details.  If things have gone beyond the phase of simply just paying the bill there are laws which protect consumers from unwieldy and unwelcome calls from creditors.  The Fair Debt Collection Practices Act governs what creditors can and cannot do in the pursuit of collecting unpaid debt.  If you don't want to receive the calls you may want to consider telling the creditor just that the next time you get a collection call.  Keep a record of the calls and how you respond to them. If it gets out of hand, abusive or overbearing the best thing to do is get in touch with a local attorney.\n\nGood luck.
644304
Unless you borrowed money with an intent to defraud them, and they can prove it, then they can not arrest you.  \n\nIf a collections agency tell you this, and you can get it on tape or in writing, well.....what can you do with $1000.  That's what you can sue them for.
213402
I usually pity people that find work with collection agencies.  I had a boob from a collection agency telling  me that she was a lawyer, she was lying.  \n\nTry and pay the company that you got into debt with something...$5 a month say?  Do not pay the collection agency anything.  Nothing.
1008363
If you have a copy of that promisary agreement, you would have a good case.  Without it, it's your word against theirs.\n\nAt lease tell the collection agency to send you a letter saying you do not have an agreement to pay them.  That will help out with any future statue of limitations arguments.
236225
hi briezee1\nThe answer to this is going to be it depends.....First, Are they 100% accuratly reporting on your credit report? Second, Are the creditors the original creditor or collection agency?\n\nThere are a couple of ways of approaching this. If the debt is yours and is reporting 100% accurate I will concur with RICK that you have a moral obligation to repay the debt. With that said, I find it highly unlikely they are reporting 100% accurate.\n\nIf the creditor is an original creditor you may want to consider offering them a settlement. If it's a collection agency you may want to consider sending them a debt validation letter first. You want to know that you have a legal and contractual obligation to pay them and not the original creditor. \n\nIt is also important to know the date of last activity on the account. Even though negative credit may stay on your report for 7 years, most statute of limitations is much shorter. You will want to check your state statute regarding the debt.It is possible the SOL (statute of limitation) is up and the debt is no longer collectable.
848310
afraid not..\nif you owe and someone (agency) has filed claim...
668687
it should be cleared, as well as all attempts to collect it after 7 years of default. you will have to do the leg work as creditors won't do it on their own, so push them and keep pushing them to remove it.
531124
You need to pay it and it will show a PAID collection on yout bureaus. Theres no way around it.  Have you disputed it with the bureau?  If they cannot validate it within 30 days they have to remove it per the FCRA.  You could try that route.