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Creditors

Disputing a Debt: Are we still able to dispute a debt even though the agency is saying it’s been over 30 days since the original letter to us was sent?

credit card debt

We have been in contact with the original creditor because we wanted our bill reduced or taken off for some faulty car repairs; but haven’t had much success. Today we received a call from a collection agency stating they have sent out a few letters and haven’t received any sort of response so they contacted us by phone. To date, ...

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What does re-aging a debt mean?

Answer: Re-aging credit card debt and other past due accounts resets the clock and may give you, collectors and creditors a fresh start, so be careful! Creditors DO NOT have to re-age past due accounts. But when they do without your permission or payment, their actions may be in violation of the Fair Credit Reporting Act and the Fair Debt ...

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