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Even if you think the call may have come from a genuine, licensed debt collector, investigate the collector’s background before handing over any money. You may want to pay off a debt to avoid going to court, to clear your record, or for another reason. However, you should not agree to any payment or payment plan without first getting the terms in writing and proof that the creditor actually owns the debt and this debt collector is legally entitled to collect it. Also check to be sure the creditor will note on your credit report that you have paid off the debt. If the debt is not paid off, but merely reinstated under a pay down plan, make sure that the plan can be met. Gather any evidence you can find to back up your arguments.

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01.14.2007 | 34 Comments

However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C. P. D. Reg. No.

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01.14.2007 | 16 Comments

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