How do I stop collection annoying calls.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

Actually this is the best time to handle any problems or complaints while the debt is still with the original creditor, once it is out of their hands and into a collection agency it is like your pleas fall on deaf ears. Collection agency do not believe you no matter what proof that you try and provide them, all they care about is collecting.

If this is happening to you, then you are better off writing all your correspendence in two fold, always send a copy to the original credit also. If the bill or collection activity is not too old, you may still have a chance of getting it straightened out with the original creditor. Once the bill starts to age, then your chances get slimmer and slimmer as your fees start to go through the roof.

Getting bills caught and continueing to keep them caught up can be challenging once you get behind, you should only take out bills that you can afford and try to pay them all on time.

jbarto65 · Joined: 04 Nov 2007 Posts: 626 -0.11 Dollars($)

I had found myself in this boat a few years back, I have over the last two years paid off some accounts that got into delinquent status, they were all really easy to work with as long as I agreed to pay and followed through with the arrangements that are made.

I am trying to keep everything caught up these days, it gets a little tough every now and then but I manage somehow.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

I hope that you can keep current on things, it takes a while to get caught up and repair the damage once you have being late has caused, once you are thirty days late, it goes on your credit report.

I am glad to hear that you have are cleaning up your report, you will see some good results with time as long as you keep everything that you have now current.

I have a few that I am working on now, I should say am going to work on, I am having a hard time finding out where the accounts are now, no one has contacted me for a long time on the accounts, I am going to apply for some credit as suggested to me by jbarto, hopefully they will contact me and then I can get them paid off and be done with it.

Hopefully, with the help of this forum and meeting a few of you here, I will be able to celebrate a successful outcome here soon.

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

Not a bad idea erb but please be warned to be careful. If these accounts are pretty old than you have to worry about them beiong picked up by a nuk collector whom isn't always on the up and up. Sometimes it is best to let sleeping dogs asleep.

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