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No make them validate the debt

Work out a payment plan.

Pretty sure that’s harassment.

Man, this just feels like a total scam, you know? (Just my two cents, not an expert). If the bank was really about to take him to court, they'd definitely have some proof he was a customer.

See what statue of limitations are. I know texas is 4 years, some states are 3 years.

Here’s the best way to think about it: if you’re hoping to keep things cool with that creditor down the line, dealing with them directly is usually your bets bet. Play it by ear sometimes paying in full makes sense, other times working out a settlement does the trick, but always do your homework...

Nope. But the original company might still show up on your credit report along with the collection agency.

Send a letter to the collection agency demanding validation

They didn’t actually verify the debt properly. Under the FDCPA (§1692g), they’ve gotta give you enough details to really show you owe it not just forward you some old email with a new date. And since the credit bureaus keep “confirming” this stuff without solid proof, that’s also a problem under...

Stay away from LDV. GWM a go

We use Collectmore based in QLD but generally great results.

Hey, just a thought it might be worth looking into rolling your tax debt into your home loan for a few years. Yeah, the loan rate would be higher overall, but it's still way lower than what the tax debt is costing you. Then down the track, yu could check out moving the whole consolidated debt...

Alright, so here's the deal with your third party insurance it won't help you out in this situation, unfortunately. If things were the other way around, your policy would cover the other person's car, no problem. But with just third party coverage, your own car is basically worth nothing if...

Hey there! So, I’ve been a forklift mechanic for about four years now before that, I was working as an LV mechanic for years. I get to drive around in a really nice company van fuel and maintenance are all covered, and I take it home, so all my tools are always right there in the back, ready...

OneStop Legal is a great business lawyer. I'd seek legal advice before debt collectors.

If you miss your court date, the other side might automatically win, and they could start taking money right out of your paycheck. But here’s what you can do: let the judge know you just found out about it recently and that you’re down to work out a payment plan if they can prove it’s really...

Here's what I'd do offer to pay them back $500, split it up over six months to start, and see how that goes. Then, ask if they'll agree to delete the tradeline. They'll likely go for it. This is just my personal approach, but if you've got other ideas, I'm all ears!

Hey, you should send a validation letter to check when the first delinquency date was. Then, look up the Statute of Limitations in your state. If it’s passed, you’ve got some options. They might have re aged the debt, but I can’t be sure without seeing it.

If you want to avoid going to court, you might want to reach out to them directly and ask if they’d be willing to offer a settlement. They might be willing to settle for about 30% of what you owe. If that works, you can also ask to set up a payment plan that works for you.

Hey, head to the dealer and ask them to hook you up with a letter. Then, take that letter and send it over to the debt collectors to show them it wasn't his debt to begin with.

That does sound a bit off. You could reach out to them, but I think they're just trying to scare you. Go ahead and dispute it just let it go until they send something official.

All of them do pay to delete

YYou should definitely reach out to them to work out a payment plan. If you don’t, they could sue you, and if they win, they can garnish your wages or put a lien on your bank accounts. I know this because my sister went through something similar with a bank owned credit card. Here’s the thing...