Lace asked:


I live in michigan, if my credit card debt collector is not calling from my state are my rights still the same? And can they still legally incure interest on my debt once it’s already moved to collections?

Gert asked:


I guess that a garnishment summons was sent to a hospital I do not work at, have never workewd at. Isn’t it a violation of the Fair Debt Collection Act?

ajrcltmar2 asked:


I live in PA. When does the SOL start? I heard it’s as of your last payment. But if it is charged off and the debt collector buys it does that re-start the sol.

snowrider asked:


I am wondering if it is illegal to impersonate a debt collection company. I have some former roommates that still owe me some money. Can I send them emails asking for rent, pretending to be a debt collector? What if I pretend to be a debt collector from a real company? What if I pretend to be a debt collector from a made up company? What if I also threaten to bring them to court? What if I ask for more than the rent by asking for a “service fee”? Is that extortion or anything?

Thanks!

drakolan asked:


I owe a debt from a few years back and am trying to pay it off. However, the original institution has handed it over to a collections agency and they’ve started accumulating interest on it, almost doubling the owed amount. Is it possible to pay off the -original- institution and sidestep the interest?

Southernella asked:


My ex left me with a large credit card debt over $24,000. I have no way of ever paying it back. How long can a debt collector come after me or take me to court with this debt?

jr_2281 asked:


A debt collector says I owe 1800 dollars, but will settle for two payments of 672 dollars. I offered 50 a month but he refused it saying I had to pay the 2 payments of 672. What will he do if I don’t pay. The debt is for furniture.

Jessica asked:


My bf and I just got our new phone number for our home and we’ve had it for 3 days and there have been 5 or 6 calls a day from debt collectors. They ask for the couple that originally had this number. Sometimes it’s an automatic hang up and sometimes it’s a representative asking us if we know them. They tell us they will take us off their list, but then another debt collector calls and another and another.

Asile asked:


We receive calls from a debt collection agency attempting to collect money for a company that went out of business and filed bankruptcy a while ago. Is that legal/justifiable?
But if that company filled bankruptcy, doesn’t that mean that they are no longer required to pay back their lenders or any accts payable?;

How is it that they would still be allowed to recoup their losses but not pay their lenders if they’ve declared bankruptcy.

desta asked:


It is the only contact I have received from them. My name is not on the email. The web address included to contact them is not accessible to me. When I tried it, the message read that I needed to try a different domain. I know I have no debts owed. I have not received any mail or telephone calls from debt collectors. Does this sound like a hoax, scam or legitimate email?