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Can a Collection Agency report you to the credit bureaus without ever making an effort to collect a de...
I have just recently checked my credit report and noticed one delinquent account that was reported in 2010. It was from a County Detention Center I was lodged in, which has charged for my stay and any medical. However, I became a State Inmate and have all documentation to substantiate my claim and have already written letter of dispute to the Agency. They replied stating in pertinent part that the claim was valid. Now I did not send the documentation in the original letter because that stuff is available at the Administrative Office of the Courts & advised them of such. It looks as though I may now have to reply with documentation. I am just wondering, before I jump the gun, if they could have ever even reported this to begin with without ever mailing anything to my residence in effort to collect under clearly established Federal Law? I have been home for 3 years and no attempt from the Credit Agency has been made for collection. No attempt was made from 2010 going forward at my residence. That and the fact that I was a State inmate which requires the State to pay for my housing in a Detention facility negates their contention that this is a valid debt. Can anyone give me some feedback? Much... Read More
Will paying a car payment within your grace period have a negative effect on your ... Read More
Sent to credit agency without notificat...
We purchased an investment property and have it under contract in a lease to own situation to someone else. We hold the title and I receive a property tax bill at our physical address. However, the title company recorded it to in our name and the investments property address (which we noted for them to change at the signing). The HOA management company of that property has been sending "dues" notices in our name to the investment property, which have gone into the abyss. The current resident reported to them several months ago that we did not live there. The have not sent us to collections which I am being told has been reported to the credit agencies and placed a lien on the property. In addition the amount due now list several fees including paralegal, photos, interest and liens. My question is this, can the collection agency report us and place a lien on our property without notifying us? Second, am I required to pay these other fees that go way above and beyond? And I guess third, is can the creditor do this without even trying to contact ... Read More
can a collection agency still report each month to all three credit agency's after the debt is paid and the acc... Read More
Apt Move Out Char...
I was charged $200 move out charges from an apartment because they said I did not paint the room the right color. I was told to paint it white, which I did. Now a collection agency is saying if I don't pay the $200, they will report it to the credit bureau. Can ... Read More
can a debt be reported to the credit agency over and over after be sold s... Read More