Join the 9 million people who found a smarter way to get Expert help

Recent Credit Report questions

I just discovered that I have 5 accounts in collections, all

I just discovered that I have 5 accounts in collections, all small amounts from the same original company. The collection agency, instead of entering one chose to enter 5 which obviously looks worse on my credit report. The total of all five is only $600. They won't let me pay off each one and then remove it from my report. They want to treat all 5 as one. I imagine they can do whatever they want but I need to know for sure whether this is legal or illegal. Thanks.

Read more

Asad Rahman

Attorney

J.D.

star-full
2,440 satisfied customers
A defendant is acting pro se in a civil case involving a

A defendant is acting pro se in a civil case involving a billing dispute. Plaintiff says in lawsuit they are owed $2,100. Defendant says $600 is owed. If the judge and/or jury agree with defendant, has defendant won the case, because that was the amount they said they owed, or lost the case, because a judgement in that amount is owed after trial?

Read more

star-full
37,724 satisfied customers
I have a small business and a relatively small-midsize

I have a small business and a relatively small-midsize company that we sold product to is no longer responding to my, so far, nice attempts to get them to pay the bill. What are my best THREATS to make at this point and what can I do if they still don't respond?

Read more

Dex Media failed to honor my request to not put my ad in this

Dex Media failed to honor my request to not put my ad in this years phone book. And also denied my out of business Affidavits (2) and continue to bill me and are threaten to turn me over to collection that will lower my credit score.JA: The Corporate Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: NoJA: Please tell me everything you can about this issue so the Corporate Lawyer can help you best. Is there anything else the Corporate Lawyer should be aware of?Customer: I cancel the phone number in December of 2015 to honor the out of business affidavit. I had called them in June of last year to cancel my ad in the phone book and they said they would but never did and I have yet to get any letter or email saying it is closed.JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Corporate Lawyer about your situation and then connect you two.

Read more

Irwin Law

Juris Doctor JD

star-full
8,234 satisfied customers
Year ago I paid collection agency by $250.00 by money order

Year ago I paid collection agency by $250.00 by money order send via USPS certified mail, signature required. Three months ago I received the same $250.00 collection bill from different collection agency. I disputed the debt and I asked (twice) the collection company (via certified mail) to verify the bill in collection but the collection agency did not answer at all. The second collection agency posted it on my credit report the $250.00 as an account in collection. I sent the collection agency (via certified mail) second $250.00 money order and I filed a $1,000.00 case against the CREDITOR in Small Claim Court for violation of the California Fair Debt Collection Act.The CREDITOR'S attorney called me to inform me that I cannot sue the creditor and I should pay the 250.00 plus interest before they will countersue and there will be a judgment on my credit file. I informed him that I mailed twice $250.00 money order exactly as the bill stated and I can send him copy of the checks and copy of the certified mail form with the signature returned form. The attorney said that collection agencies did not cash the money order checks.If I do not pay it (third time), before the defendant will file a counterclaim, Can I have a judgment on my credit report if I provide the judge with copies of the money orders and the signed receipt?Should I pay the $250.00 third time, plus the interest, before the defendant will file a counterclaim, so I can avoid the judgment?Can I ask the judge to order the defendant to pay me back the overpayment on the collection bill?Thank you.

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

star-full
105,134 satisfied customers
I got a voice mail on my phone and they also called my job.

I got a voice mail on my phone and they also called my job. The guy said I had two felony's and criminal charges are against me. The number was: 302-213 - 3271. This guy gave me another number (Which I did not save) and said to call him back with a court release number and he will get rid of the paper on his desk. I then called the number and a woman answered the phone and said. I owe $1700 in bounce/bad checks for a company called "Cash Advance" or "Advance cash". She had my old address, last 4 of my social and bank name. I did not give any information. I said I did not owe this money and if I were to pay how would I do that? She then replied and said "money gram or western union...maybe" I also said I do not have this money, can you give me two weeks. She then said the papers on her desk will be gone the next day at 9:00 am. This happened a month ago.......im pretty scared and did not do such a thing. I've been to the bank countless times and checking my credit reports. In addition, I called cash advance and they said I'm no where in their system.I also, mentioned "advance cash" and they said that's a made up name. I haven't been able to sleep for a while. Today, I stopped by advance cash/cash advance and told them my situation. I gave them the number and they called. The number was to "Legal Review Services" they said I'm not in there system and directed to a different number. This number was to Legal mediation. When my friend called them he was on hold for a long time. Is this a scam??? I,m scared and freaking out!! I never received any letter in the mail. Whats going on????

Read more

P. Simmons

Attorney

Doctoral Degree

star-full
34,648 satisfied customers
I have several large bills that include student loans and

Hi, I have several large bills that include student loans and medical bills. I have made small payments to the student loans, but I have not filled out any of there paperwork. They want me to commit to payment plans I cannot afford.. Can I still go into default?The collection agency for the medical bills told me if I didn't give them a promise to pay less than 65.00 per month, it was not acceptable and they would continue to call me.Do I have to provide all of my financial information to the loan holder - Nelnet and ACS>Can I make a payment I can afford and get the calls to stop?Thank you

Read more

Christopher B, Esq.

Attorney

Juris Doctor

star-full
4,786 satisfied customers
I am a 57 year old Female dealing with the residuals of a

Good Day,I am a 57 year old Female dealing with the residuals of a stroke. This occurred in 2009. Disability/Retirement.My credit, in the past, had always been decent. Due to the stroke, (2009) I immediately informed various creditors what had occurred, therefore there have been approximately 2-3 credit card forgiven. Average card... 3-4k. I'm grateful.There have been hospital bills, which were for the most part, taken care of via my insurance and my personal payments.Eventually, I had to inform the hospital of my financial situation and I was able to deal with someone in the ...debt forgiveness Dept. c., ie. I never saw the residual billing since. Again, AMEN, I am Grateful.My Question: This pertains to my credit... I'm not sure what is on my report. Due to the stroke, (I'm leary and confused at times.)About 3 years ago, I received a 1,600 bill from Verizon Wireless. NOT MINE!I immediately called the number on the invoice to let them know. Here's the thing... THEY told me that, yes, it was identify fraud! THEY caught it because the person was cut off by THEM, and tried to open another account with my information.Again, I am a person dealing with the Residuals, at times, Strong Confusion Residuals, from a stroke.THEY assured me that it would be taken care of, and THEIR fraud department would shortly get in touch with me...Never Happened.Instead, I CONTINUED to receive Verizon Wireless bills, increase, threats, (Paper threat), eventually... Debt Collection calls/mailings.Of course I answered, in writing, how this wasn't mine, & Verizon Wireless TOLD ME! That THEY were the ones who caught this, prior to my even receiving the first erroneous invoice! They just passed t on to another debt collection agency.Of course, I stated in my letters also, "Do not Call, nor Correspond" with me, as this IS NOT My debt. Now I get calls from everywhere... with no one leaving a message. Just a quick...buzz. Click. (why harrass me?!)I don't know if Verizon Wireless is now on my credit report. How can THEY be held liable for something THEY Assured me that THEY took care of. And what is the FASTEST and EASIEST way to purge my credit report, once I order all 3.I'm feeling Blessed and Stronger, mentally, and with your help...I can go All the way with knowing, purging, and emerging from the ...UNKNOWN!Thanking you in Advance, and Blessings in Christ YeshuaPS. I don't even know what "Verizon Wireless" is?!!!Aren't they liable for being so careless to receive fraudulent characters! Again, Thanks!

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

star-full
105,134 satisfied customers
I have an open account on my credit report from a TX school.

I have an open account on my credit report from a TX school. In 2010, there was a mandated change from the Federal Stafford loan to the Federal Direct loan, requiring students to sign a new master promissory note. It was online and new for both the school and myself the student. Long story short, I thought I completed the MPN and associated forms, received the government funds via the school, only to find out that I had not completed the MPN.The semester was over and I was unable to ably the MPN retroactively. I find out not that during that time, many student all over the country received their fund later due to their school not disbursing funds until a signed MPN was on file. After many e-mails and trips to the FA office, I find out that the school disbursed the funds prior to receiving a signed MPN. I was never given a reason why. I was never even offered a payment plan so obviously being a student loan candidate, I couldn't pay.I'm a little older and am now questioning the legality of such a loan. I am current on all of my student loans with a very good to excellent credit score, so I am not trying to avoid responsibility at all but how am I legally responsible for a loan that I never signed for, would not have signed for, and in which the school appears to have been at fault? Who's responsible for the loan and why?

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

star-full
105,134 satisfied customers
View more business law questions
In The News