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Posts tagged "collection"

Don't get bogged down by creditor harassment

Portfolio Recovery Associates LLC was the topic of last week's blog. If you recall, a woman sued the company because the company's representatives harassed her for a debt she didn't owe and eventually took her to court for the debt. The fact of the matter is that even if you do owe a debt, you still don't have to deal with creditor harassment.

Portfolio Recovery Associates LLC loses lawsuit over practices

Getting constant phone calls from debt collectors is a real bother. When the debt collectors are calling for a debt you don't owe, the bother is even greater. One woman recently won a judgment against Portfolio Recovery Associates LLC because the company pursued her for a $1,000 credit card bill that she didn't owe. The debt actually belonged to a man with a similar name.

Debt collectors may use email in some instances in Washington

For things like working with a debt collector in Washington, using email is often far more convenient than talking on the phone. For one thing, it allows you to communicate back and forth whenever you want, rather than having to step away from work or dinner to answer the phone.

Why Chapter 7 bankruptcy might be the right choice for you

Do you think Chapter 7 bankruptcy could change your life? If you are currently struggling to make just the minimum payments on your debts, the answer could be a resounding "yes." Chapter 7, or liquidation bankruptcy, allows filers to wipe clean their financial slates, providing them with the opportunity to start over again without financial hindrances. Consumer bankruptcy might just be the right choice for you.

Are you dealing with a fake debt collector?

When it comes to financial collections, things are not always what they seem. All too often, consumers in Washington suffer at the hands of debt collection scams, some of which may lead to very real financial consequences, especially for those near bankruptcy. Although a variety of creditor protection measures exist during the collections process, borrowers also have rights. Today, we help you determine whether you are dealing with a legitimate -- or ethical -- collections representative. Make sure that you are talking to an actual collections agent before handing over any money, especially during a bankruptcy proceeding.

The danger of using payment agreements when negotiating debt

If you are one of the many Washington residents who is struggling to pay back large financial debts, you should know that you are not alone. Every day, creditors file lawsuits against consumers who owe unmanageable amounts of money. Consumers who face legal action are sometimes able to create a payment arrangement to keep the matter away from the courts, but this is not always effective. What do you do, then, to halt a creditor lawsuit with regards to your debt?

Are you required to pay your parents' debt after their death?

Are you responsible for the debts of your parents? For many adult children who inherit their parents' estates, this can be a real concern. Financial experts say that there may be less danger than you think -- in most cases, a Washington estate is responsible for paying its own debt. In other words, it is rare for the debt to be passed on to the next generation; that only happens when certain conditions are met.

Social Security can be subject to wage garnishment

Many Washington residents who receive Social Security benefits may be wondering whether those financial resources can be spared from collections during a debt relief proceeding. Although it would be great to be able to provide a clear-cut answer, the fact remains that certain Social Security benefits could be fair game for wage garnishment, depending on the type of benefits and the type of debts in question. The difference in this case between Social Security Income, Social Security retirement benefits and Social Security Disability Insurance is absolutely critical to understanding your creditor protection.

Avoiding debt problems because of shifty landlords

An increasing number of Washington landlords now have access to credit reports, and their actions can do serious harm. When a landlord acts in a malicious manner or sends balances to collections agencies, individuals' credit histories can be severely damaged. Unscrupulous landlords have even been known to push residents so far into debt that they suffer from wage garnishment and other unpleasant outcomes. Today, we discuss methods for protecting yourself from unscrupulous landlords who attempt to fleece their former and current tenants.

What to do when you are hounded by debt collectors in Washington

Washington consumers who have been in financial trouble know the feeling that comes along with being hounded for credit card payments. Debt collectors can be a pain, but ignoring communication from your lenders can make your financial problems even worse. Experts say that instead of running from your debt problems, you can take charge of the situation and have more influence over your financial situation.

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