Collection Agency Harassment

Feb 142011
 

I am having a problem that I am hoping someone can help me with.  Not sure if I am posting in the right section, if not feel free to move the post. 

 

Basically about 2 years ago I bought a house and got a new land line set up.  Shortly after that I started getting phone calls from “Unknown” asking for someone (let’s say Bob).  Of course I explained they had the wrong number, but the calls kept coming.  I decided to get the number changed.  A few months went by and then the calls for Bob started coming again, even more than the first time.  I did some research and it turns out at some point Bob lived at my address so I guess they are associating the number with the address.  This time around the number was coming up on the called id and I found out it was Portfolio, so I sent them a letter.  Soon after the number was coming up as “unknown” again.  The unknown caller never tells me who they are, the name of there business, or any other details.  I have explained over a dozen times that they have the wrong number and please remove it, I have asked to speak to a supervisor and they hang up on me, I have asked for their address to send them a letter but they refuse.  Do you think I am still dealing with Portfolio?

 

Any suggestions on how to get this to stop??

New Credit Accounts

Jan 042011
 

New to rebuilding – been at it for a couple of years.  Rebuilding with a car loan and small credit card…and paying off negative bureau items and/or having them deleted/expering.  Started in the low 500s, now in the lower to mid 600s – getting there.  Question is:  I would like to get out from under the credit card – high APR, high monthly/yearly fees.  Have had it for 27 months.  Using the FICO Simulator, it tells me that getting a new card at $1000 and trasnferring the balance ($300 on a $660 CL) will lower my score???  Will it?  I also have my bank wanting me to get an overdraft line of credit for my checking account.  Will getting a new credit card and/or ODL lower my score?  Will be keeping the balances low – maybe 10% or less on the card (currently paying down the card I do have – realize that the usage is too high), more that likely zero on the ODL (haven’t had an overdraft in years). 

 

Have read a lot on here about the number of cards/lines to have – 2-3?  Balances of 10-20% or less?

 

All advice appreciated!

Tax Levy – What will happen?

Dec 282010
 

I got a final notice CP 504 in the mail yesterday.  It says I have to pay the total balance in 10 days of a past due tax amount roughly 1900 dollars.  It says they may levy assets and file a federal tax lien if they haven’t already.  I called the number and they said I “probably” have some more time.  I CAN pay this on Friday.  What do I do?  Will this hit my credit?  It isn’t on there as of yet but I don’t want to get anything like this on my credit as it would be terrible.  What should I do? 

Your Credit Score, Your Money & What’s at Stake (Updated Edition): How to Improve the 3-Digit Number that Shapes Your Financial Future

Dec 162010
 

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NUMBER OF TROUBLED U.S. BANKS RISES

Nov 262010
 

 

WASHINGTON — The number of U.S. banks on the Federal Deposit Insurance Corp.’s "problem" list prospered over the summer, even as the industry expressed massive net income and fewer loans soured

 

The number of troubled banks rose to 860 in the July-September quarter from 829 in the previous quarter. That’s the most since 1993, during the savings and loan crisis

 

 

http://www.usatoday.com/money/industries/shutting in/20101123problembanks_N.htm?loc=interstitialskip

 

 

 

 

Ireland’s banks are in worse shape….

What is West Asset Doing?

Oct 192010
 

I received a letter from out of nowhere from West Asset for a medical bill from a hospital advisng me of a payment arrangement.  First I had never contacted them to make a payment arrangement.  Then I started to receive phone calls, how they got my number idk.  Well after advice from here I sent them a DV letter.  Let me also say that they is not on any credit report of mines, so it isn’t reporting.  I received this letter in the mail yday from them saying the debt is valid.  I’m looking at the date & in my opinion the SOL have expired on this debt, but I may be wrong. Can anyone advise me what to do here?  Since it isn’t on my report I’m not that worried but I’m tired of the phone calls.

 

October 8, 2010

West Asset Management PO Box 790113

St. Louis, MO 63 179-0] 13

171726

 

My name

My address

My address

>>>>> Please Call Toll Free 1-877-411-7197 ««<

RE: Client :

Hospital Name

Account/I:

Hospital Acct Number

Service Date:

09/01/03

Balance :

$336.18

 

CREDIT DISPUTE INVESTIGATION

Dear My name.

We have received your letter disputing the accuracy of our records related to the above referenced account. We have completed the investigation of your account and determined the debt to be valid. See the attached documentation provided by our client validating the debt. Please be advised that we have updated our records to reflect your dispute.

Sincerely,

Man’s name

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. For quality assurance purposes, inbound and outbound calls may be monitored or recorded.

Our office hours are Monday — Thursday 8:00 AM-9:00 PM, Friday 8:00 AM — 5:00 PM, and Saturday 8:00 AM — 12:00 PM. All times are Central Standard Time.

2703 N. Highway 75, Sherman, TX 75090

Worm445.dot

Interest question

Sep 292010
 

I’m paying back a $45K loan carried by Sallie Mae.  After paying for four years, each month a certain amount of each monthly payment goes to interest and a certain amount to the principal.  However this month, every cent of the $485.00  went towards the interest.  Why the switch I wonder?  The ratio of interest to principal varies each month, I suppose becase of the number of days in the month/billing cycle.  But not a cent towards the principal?

 

Any ideas folks?

Questions about PFD!

Aug 192010
 

I have been reading on these forums for about 2 months now, and have recently tried three PFD’s.  I have one that was successful, one no answer yet, and the final one I received a phone call from that CA.  I have no idea how they got my number, because I have never spoke to them on the phone.  Should I return the call, or should I send another written request addressed the CA?

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