Creditors calling !!?
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.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
1180398
I agree with spade_2nite, something doesn't sound right if they are contacting you for payment - if they had recieved a judgment.\n\n\nContact your county court clerk and ask if there is a judgment or a suit filed in your name. (You can also go to the clerks office and request to see your file.)\n\nIf there is no judgment or pending suit filed, that company is violating your rights. If that is the case - speak with an attorney immediately!!!\n \nIf there is a judgment filed and you had been properly served, check your state statutes for the exemptions in your state.\nFor example -  exemptions "may" mean that they cannot garnish your wages, take your car, take funds from your bank account etc. It all depends on "your" states exemption laws. \n\nAfter you check with your county court clerk and find that there is or is not a judgment against you, it may be best to speak with an attorney. There are many attorneys that will give a free first consult   \n\nAlso, I would suggest purchasing a tape recorder and the next time they call, tell them that you are recording the call. Some states allow you to tape without informing the other party that you are taping, you would have to check your state laws on that. But, if you cannot find your states laws on taping, then be sure to inform them you are taping when they call.  \n\nTell them that recieving phone calls at your home and place of employment is inconvenient for you and that you are requesting they contact you by the U.S. postal service only - be sure to have that on tape. By law, if you tell them to cease calling - they are "required" to stop calling.\n\nIf there is a judgment against you, filing for bankruptcy may not be the wisest thing to do - depending on the dollar amount of the judgment and your other debts. \n\n\nI have included a link so you can check your states rules of service
85224
You should talk to a  bank!!!
147200
depends on state laws.  I know here, they have to notify you in writing...then the calls start.  On the back of their written notification, it usually has the laws that apply to collections on them.  I know here (illinois) can write a letter requesting they no longer contact by phone...and they have to stop.
952131
Put in your request with the bankruptcy court, but you'll be faaaarrrrr down the list of creditors that get paid.  \n\nThanks for the change in bankruptcy laws Congress :(\n\nI'm afraid in all likelihood he's SOL.
1021197
usually there is a phone number right on your credit card statement.  you should call them up.
839375
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
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.
787969
Credit bureaus update their records as soon as the info is received.  \n\nIf you are concerned about a particular account you would do better contacting the creditor directly and ask the creditor how often they report your account activity to the credit bureaus.  Some creditors report monthly, some quarterly and some don't report at all.
733614
You need to sit down with the creditors that are suing you and propose a payment plan. Now this payment plan you have to be very strict to follow and never miss a payment like you did before. Creditors only want their money back so if you give them an offer they cannot refuse they will take it. Just see how much you can re-pay every month and tell them about it. If you are still scared or confused about the procedures contact a lawyer.
934407
Either get an old bill and find the number that way or call the Companies  and they may have it?! Nexts some like that happens again write it down, :)
306209
7 years from the time it was last reported on. So basically from the time either you or they closed out the account. But a little hint you may want to try is to get your report and dispute anything negative on it. If the individual creditors dont respond back in time to the dispute it can get removed from that specific report. Believe me that works !
732562
you are right on track.this one is a slam dunk.though you are doing every thing right you need to contact your attorney generals office because she is adopting unfair and illegal business practices.this PERSON IS HAVING SERIOUS FINANCIAL PROBLEMS AND IS TRYING TO TAKE IT OUT ON YOU,You sound like you have enough fight in you.go get her.If I were you I would start by sending her a certified letter indicating intent to file charges against her for double dipping,and to file a $5000 dollar small claim against her for attempt to defraud.if she goes ahead with her claim to send your "bill"to a collections agency she is only giving you additional ammunition for your claims.If this thing appears on your credit you can get it removed by showing that this is an attempt to at distortion.It will also give you the additional info.you need for a successful claim.
750204
OK, a couple of things you should do:\n\nFirst, next time they call, tell them explicitly NOT TO CALL YOU AGAIN.  By law if you tell them that, they cannot call you any more, they can only deal with you through the mail.  In writing there can be no he-said-she-said.\n\nSecond, forget the collection agency.  You are under no obligation whatsoever to pay them ANYTHING.  Call the company you have the original debt with, and set up repayment with them.  IGNORE the collection agency.  If they call, hang up on them.  I repeat:  you are under no obligation of any kind to pay them anything, your debt is with the company you owe, NOT the collection agency.  Deal only with the company you owe the debt to.\n\nFinally, find out where the collection agency is located, and report them to the local better business bureau and local Federal Trade Commission office.  In writing.\n\nThen pay your debt off *with the company you owe it to* and be done with it.
969658
Call the credit bureau