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??

Final Step: Two public records

Dec 302010
 

I am down to the last two negatives on my report, and wondering if, or how, I should dispute them, or just hold on and think warm thoughts until they drop off.

 

1) An IRS paid/released lien for $5200. What irks me about this is that I was never notified, either of the lien, or that it was paid, until I pulled a credit report. This all happened without me ever knowing. But, strangely, at the time the lien was filed, I was working with the IRS and had a payment agreement, and while the lien was sent to the wrong address my payment plan details were all sent to the correct address. In addition, both the amount of the lien and the payoff seem incorrect, as I paid the debt in May, in full, but the Paid/release date is November, for example.  Also, this was filed in the wrong county. This PR turns four years old in January.

 

2) A Judgment from the state for $180, same year,  also apparently for a tax debt. Once again, no notice, just a letter from the State deducting the amount from my tax refund two years ago, and saying I was paid in full. Now, I’ve seen a lot of talk about liens and what judges can do, etc, on this site, some of it pretty snippy. None of them address what happened to me. Apparently, a lien was issued, and, yes, that is administrative. But that lien is not on my CR. However, to collect on that lien, a judge issued a default judgment in court. That is what is on my CR, a judgment. I pulled the court document, no detail at all.

 

So, here’s my dilemma. Do I seek to vacate the judgment and validate the lien, and risk opening a can of administrative worms? I am not a big earner, the amounts are small, my taxes are all paid and in good sdtanding. But the amount of time I might have to spend on this could be quite the hassle if an agency decides to make it an issue. The debts are paid, and I’m not  looking to challenge the amounts. But these certainly never should have gone through process, and the records are quite damaging.

 

Am I better off manually explaining, and just living with the FICO hit for the next 2-3 years? I’d like to see about getting a home this year…

What to do? Good scores, low amount, fault of biller, went to collections

Nov 152010
 

Hello,

We’ve endured two problems with our post office for years:

 

1. They won’t deliver anything with a missing or incorrect apartment number

2. They don’t (appear to) return undeliverable mail.

 

As a result, if any biller gets our apartment number wrong, we don’t get the bills and the biller doesn’t get them back. That’s fine for utilities, which we pay each month, but sucks for unexpected bills like medical charges not covered by insurance.

 

I recently found out that an old ~$12 charge went to a collection agency because the biller had the wrong apartment number on the bill.

 

What should I do?  It hasn’t hit my credit report yet, but I’m wondering if I should just let “sleeping dogs lie.”  Is there some sort of structured letter that I have to send the collection agency?  Is it bad to pay it off via the CA? 

 

Thanks!

 

 

TU 739     EX 763     EQ779

Judgment

Oct 042010
 

Hi,

 

This is my first post to the board, so please bear with me.

 

I have a default judgment on my credit report from July 2008.  I never received any notification ahead of time regarding this judgment.  When I finally did find out about the default judgment, the paperwork had been sent to the wrong address, so I never got a chance to dispute the item.  The judgment is for a truck from Ford Motor Credit, which they say I leased in Alabama (I live in New York).  They maintain that this was repossessed after non payment.  I sent them notarized paperwork stating that the information had originally been sent to the wrong address.  Secondly, I told them of the identity theft.  I sent notarized paperwork to the attorneys stating this fact.  Since then I’ve heard nothing, until recently I got a letter saying that they still plan to pursue to debt.  I have not gotten an attorney yet, but I’m not sure if there is anything remaining that I can do on my own.  Any suggestions would be greatly appreciated.

 

Thanks!

State Tax Lien – Need some advice -Wrong amount and can I get lowered?

Sep 012010
 

I have a state tax lien that has posted the wrong amount on my credit reports.  Here are my questions.

1. Should I dispute the amout or will the date start all over again?  The amount is showing 800.00 more than what I owe.

2. The Lien is mostly fees because i lost my W-2′s and they are so old that they can’t even reprint them for me.  Should I talk to an accountant to try and get the correct amount lowered or will the accountant charge me to much?

3. Do you think I should set-up an appt with the state to try and get the amount lowered myself?

Thank you in advance for any help.

I need to get this off my reports ASAP due to job applications and mortgage shopping.

Mortgage Co reporting wrong amount?

Aug 102010
 

Just got a copy of my TU and noticed that Chase is reporting to the CRA the wrong amount for my mortgage payment.  They’re reporting it at almost $100 a month more than it actually is!  Why would they do that?  Can they do that? 

 

Most importantly, is that hurting my score?

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