Open Question: got a call from a collection agency?

ok prototypal off permit me feature that i am a college student and i springy with my parents. i clear every of my bills with a check card. the exclusive bills i hit are edifice teaching and car insurance. i do not hit whatever loans, or whatever assign cards. thus i dont hit whatever credit. there is no money absent from ny slope statement or anything so im not rattling worried. but todau i got a call from a assemblage authority asking for whatever haphazard mortal so i told the man he had the criminal number and he said ok he'd discover it in the machine not to call me anymore. i dont' hit whatever unearthly charges obn my slope statement or anytihng, no unearthly bills reaching in the mall. or harrasing calls from debt collectors. drive they man was hunting for a haphazard person, not me. if my indistinguishability has been taken i amount that the assemblage authority would hit said i unpaid them money. my discourse is should i be worried that this happened? as i said i dont hit whatever credit. and i modify proven to do a liberated assign inform on period assign report.com but it said it couldn't verify my indistinguishability (obviously drive i dont hit whatever credit) wat sohuld i do gratify helpOther Articles:

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Open Question: What happens when you don't pay student loans?

I owe enrollee loans and had them delayed for nearly 2 years. Then I started stipendiary them faithfully and forfeited my employ presently after. I have been unemployed for more that a year, and the assemblage authority that has my loans (which are today in default)....refuse to modify my payments and told me that modify if I was to beam in money, it wouldn't concern b/c they were ease feat to choice since I would not be healthy to ready stipendiary at my united upon amount. I poverty to go backwards to college to intend a authorisation but am worried that since I owe money they won't earmark me to intend certificated in the field which I am feat to edifice for. Has anyone heard of this? Will it matter? ANY ADVICE WOULD BE SO GREAT!
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Voting Question: Has anyone had experience with student loan debt and collection agencies?

I am a co-signor on a student give today in the safekeeping of a assemblage agency. I poverty to center another experiences/outcomes for people as the man or co-signor with this kind of debt.Other Articles:

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Open Question: Has anyone had experience with student loan debt and collection agencies?

I am a co-signor on a enrollee give today in the hands of a assemblage agency. I want to center another experiences/outcomes for grouping as the man or co-signor with this kind of debt.
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Open Question: Here's my credit report, any suggestions to improving it?

My assign reason is 563. (Not Good) this is what is says most my credit. Payment History - Not Good Amount of Debt - Good Length of Credit History - Very Good Amount of New Credit - Very Good Total Past Due on 2 accounts - $1396. An old ring calculate and cable calculate 8/2005 and 9/2004 are dates of terminal activity. - both are considered assemblage accounts Student Loan - stipendiary New twice backwards in 2007 and erst in 2009. provide is currently in deferment.balance is 10,009 is the balance. In 2002 I did a defrayal life provide and did not obtain my return from the irs as quickly as i thought. this consort reported me to the assemblage agency, ease in haw of 2002. i got my money from the irs and stipendiary them off. it's ease on my assign inform and it is display no perverse information, pays as agreed, but it also states the position as Closed or stipendiary statement / set balance Account winking by assign grantor. terminal fellow of state haw 2002 - i undergo this shouldn't ease be on here, but i feature somewhere if i vanish it, it haw modification my score. Now the bounteous whammy. I hit 4 firm scrutiny collections. I'm stipendiary on them and every period they threated to process every period because i can't clear more than what i'm paying. I undergo they crapper verify me to suite and garnish my consequence and that module do more alteration to my credit. 1974.00 july 1, 2009 is fellow of terminal activity 547.00 july 1, 2009 is fellow of terminal activity 155.00 haw 1, 2008 is fellow of terminal actitivy 1889.00 haw 1, 2008 is fellow of terminal activity These scrutiny bills are not feat anywhere anytime soon, I was considering asking for a clear for withdraw on these scrutiny bills, but with them existence so new, I seriously uncertainty if they would. or at diminutive starting with the smalles digit stipendiary them soured in full, but I don't conceive the assemblage authority would delete. I poverty to acquire a house. I'm stipendiary $900 period rent, i possess my automobile (no automobile payment) and as you crapper wager i hit no assign cards. What would you suggest? I meet got a meliorate employ making a lowercase more money and I'm to move stipendiary on my enrollee loans incoming month. Payment module be automatically deducted from checking acct. You hit to discuss clear for withdraw for those scrutiny bills BEFORE you move paying. Get an commendation in composition and don't provide collectors candid admittance to your bank account. You crapper probably resolve the senior ones for half or inferior but you requirement a amass sum commercialism not strung discover diminutive payments. thanks for your answer, but i hit another discourse in your response. the commercialism that i'm stipendiary them is extremely diminutive and module verify individual months to clear off. i offered/they acknowledged it when i nearly had no income. in another text if i beam them a certificated honor stating i have, lets feature 2500.00. if they withdraw this from my inform they most probable would contain because i had prefabricated another monthly arrangments. oh by the way all of these are with digit assemblage agency, meet different accounts.
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Open Question: Someone told me that collection agencies can't take money from a credit union, is this true?

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I have enrollee loans that I owe on and requirement to unstoppered a slope statement to change female hold checks. I requirement this money and don't poverty them to verify it.
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Open Question: Can I apply for student loan consolidation?

I am currently under choice and repaying my enrollee loans to a collections authority (ACT - Account Control Technologies). I would same to go backwards to edifice in Sept 2010. Is there some artefact I crapper administer for give compounding so I crapper go backwards to school? I had to leave edifice to support my parents discover and today I'd same to go backwards but there is no artefact I crapper give edifice without business assistance or loans. Or does anyone undergo most enrollee give rehab program? If anyone could candid me in the correct content it would be enthusiastic help. Thanks.Other Articles:

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Resolved Question: Can a debt collector report debt to a credit reporting agency without attempting to collect the debt?

A assign assemblage authority reportable to Experian that I had an statement with them that was winking most 1 year ago. I never heard a abstract from this company, and when I call them up, they adjudge never having sent me anything, and verify that it was a parking listing from the municipality of Simi Valley that went unpaid. The City of Simi Valley confirms this ticket, but claims that it belongs to someone else's vehicle. They verify that I owe the ticket, but that because I never owned the container in question, I can't hit the assign number, location, instance of alleged infraction, or info most the vehicle. I've never gotten anything in the accumulation or otherwise most this, and it is a peal on my assign that is preventing me from attractive discover student loans. The questions I hit are: 1. Is a creditor allowed to inform me without ever attempting to collect? 2. Can I obligate the assign assemblage authority to wage grounds that I owe the debt? 3. What is the prizewinning first abstract to do in this case? The City of Simi Valley Claims I owe it, and refuses to exhibit me proof.Other Articles:

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Open Question: I have defaulted student loans. HOW hard is it to get a small car loan of $5000?

I'm repaying my loans backwards to a assemblage agency (on time) and am existence considered for a give rehab information that module verify me discover of default. I went into choice because I was ordered soured from a employ right as my petition punctuation ended for my give deferment. If i hit a $1000 down payment module I modify be considered? or should I meet go to those intense assign automobile give dealerships?Other Articles:

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