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, paying off the debt in full with a single payment can quickly resolve your debt collection woes. Keep in mind that debt falls under a statute of limitations in each state. The options below all require at least a good credit score, so they are usually only effective to use before your debt falls into delinquency. DON'T LET THESE THIEVES WIN! Explain to the creditor why you cant make full payment. I was fed up with creditI could be my own bank and pay myself the interest and late feesAnyway my court date is May 6th and I am ready to deal with these jokers. Do your homework. For any questions or problems with your online bill payments (800 . However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. This review was chosen algorithmically as the most valued customer feedback. It's very simple: Someone contacts you often by phone, but also by text message, fax, mail or email and claims that you owe a debt. Does Paying a Collections Account Help Your Credit? I really dont see any ripoff. my funds Instead, let the collector make the first move. They said if i owed it would have been on my credit report by now which it isnt, and that most likely it might be a scam because their system says i owe them nothing. I wanted to see if anyone else had dealt with them and the results of that first. Can collector come after me for 20-year-old debt? - Yahoo Finance C. Ray. The more we know about current scams, the more likely it is we'll be able to identify or prevent similar scams in the future. MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! Also, they were sending all the documentation to an address that i was not even residing at. whos on her death bed! The complaint has been investigated and resolved to the customers satisfaction. Had a Providian credit card about 10 years ago and I thought it - Avvo But consumers have options and rights when going through the process. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property at risk. The collector must return your request before it can start trying to collect the debt again. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Please write me at v.romero@yahoo.com. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to wage garnishment. WELCOME! If the agency gets you to pay your debt back (plus interest and late fees), it gets a commission. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). #1 Providian bank credit card 09-16-2015, 12:37 PM Today I got a call that I owed $2000.00 from providian credit card. Here is a list of our partners and here's how we make money. And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. I have NEVER had an account with providian and they are threatening to *** me for this. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. In many cases you can pay the court clerk and they will record asatisfaction of judgment. Debt is toxic when it costs you too much in money or lost opportunity or carries too much risk. The reason my husband got a providian credit card was. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. Ask them to place a fraud alert on your credit report. A Member . Doctors: providian medical equipments LLC. 02:28 PM. These scammers can be very convincing, which is why you need to spot the signs of a fake debt collection: Real debt collectors already know much of your information e.g., how much you owe, your address, social security number, birthday, etc. I have never use Providian bank or ever financed anything in my life through them. Don't ever send a debt payment by wire transfer, especially overseas. How the debt collector will report the debt to credit bureaus. For instance, a number of card issuers includingAmex,Bank of America,Chaseand more have stepped forward to offerfinancial assistance programs in light of the coronavirus pandemic. KNOW YOUR RIGHTS and stand up to these jerks. I did not agree to any amount as this is not my debt. Do you have your official credit reports from the CRAs? When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Subsidized student loans vs. unsubsidized student loans which is right for you? Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). So if this bank does not exist who is the money going to? If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer credit cardthat offers 0% interestfor a certain length of time (anywhere from six to 21 months). You can say something like, Is there an option to settle this debt? My husband stressed over this all weekend not knowing what was going on or what to expect.