Frequently Asked Questions About Debt Collection

The following videos answer many common questions about debt collectors. Remember, under the FDCPA there is no fee or risk to you working with us. Contact us for a free case evaluation.

Collection Stopper Video FAQ

What is the definition of a debt collector?

Collection Stopper Video FAQ A debt collector is a third party hired by a creditor to seek money from their customers. There are two types of debt collectors. There is a debt buyer that owns the debt and… Read More
Collection Stopper Video FAQ

Does a debt collector have the right to pull or contact my credit?

Collection Stopper Video FAQ A debt collector does have the right to contact your creditor as long as they have a permissible purpose. That means that they must have a right to collect the debt or own the… Read More
Collection Stopper Video FAQ

I received a letter from a debt collector. Now what do I do?

Collection Stopper Video FAQ That debt collector letter is very serious, it should give you the right to dispute the debt. You should then send the debt collector a validation letter. You have 30 days to… Read More
Collection Stopper Video FAQ

Is there a statute of limitations on collecting debts?

Collection Stopper Video FAQ There is a statute of limitations on collecting debts. Remember, that statute lasts either four years or six years depending on the state you’re in. Once that statute is… Read More
Collection Stopper Video FAQ

When a spouse dies and leaves behind debt, who is responsible?

Collection Stopper Video FAQ When a spouse dies, the remaining husband or wife is not responsible for their debts unless they signed an obligation to those debts. A creditor or even a debt collector will… Read More
Collection Stopper Video FAQ

Must attorney collectors follow the Fair Debt Collection Practice?

Collection Stopper Video FAQ An attorney collector is no different than any other debt collector. They must follow the rules of the Fair Debt Collection Practices Act. In fact, there is an extra standard… Read More
Collection Stopper Video FAQ

Are charged off debts still collectable?

Collection Stopper Video FAQ A charge off debt is still collectable. It is a debt that a creditor has charged off and given away to someone to either collect or to own. But it is still a debt and it carri… Read More
Collection Stopper Video FAQ

Can collectors discuss my debts with my minor children?

Collection Stopper Video FAQ For the purposes of this question, we’ll consider anyone under 18 to be the minor child. Under the FDCPA you are not allowed to contact third parties regarding a debt. C… Read More
Collection Stopper Video FAQ

How do I stop collection calls or dispute debts?

Collection Stopper Video FAQ There are two ways to stop collection calls or letters. One is by sending the debt collector a cease and desist letter. Make sure you are doing the right thing when you do tha… Read More
Collection Stopper Video FAQ

What can I do about collectors who keep calling me about a debt?

Collection Stopper Video FAQ The two things you can do when a debt collector keeps calling you on a debt you’ve already paid for or settled is either send a cease and desist letter. That requires a… Read More
Collection Stopper Video FAQ

Am I responsible for my ex-husband's or ex-wife's debt?

Collection Stopper Video FAQ The only way you are responsible for an ex-wife’s or an ex-husband’s debts is if you sign for those debts or are legally obligated on them. Often a divorcing coupl… Read More
Collection Stopper Video FAQ

Can the funds in my back account be seized or frozen by collection?

Collection Stopper Video FAQ There must be a judgement against you that allows the debt collector to freeze your funds and take the funds. Before that happens, there has to have been a lawsuit and you hav… Read More
Collection Stopper Video FAQ

Can a debt collector call me at work?

Collection Stopper Video FAQ A debt collector can call you at work, however the minute you tell them that you can not accept phone calls at work or that there is a work policy preventing you from acceptin… Read More
Collection Stopper Video FAQ

Debt collectors are calling my neighbors and relatives. Is this legal?

Collection Stopper Video FAQ A debt collector can make one call to neighbors and relatives if they have been unable to contact you. But, once they have your contact information, it is illegal to contact y… Read More
Collection Stopper Video FAQ

What should I do if a debt collector sues me?

Collection Stopper Video FAQ If you are sued by a debt collector, take it seriously. The first thing to do is recognize there are deadlines to meet and you should answer their complaint. You may think tha… Read More
Collection Stopper Video FAQ

Can collectors withdraw funds from my bank account without my approval?

Collection Stopper Video FAQ Unethical debt collectors will often threaten to take money from your bank account. This illegal. However, if they have your permission, which is highly unlikely, or there is… Read More
Collection Stopper Video FAQ

Can debt collectors legally request copies of my credit reports?

Collection Stopper Video FAQ A debt collector can pull your credit as part of the collection process as long as they have what is called a permissible purpose and they are being ethical in their collectio… Read More
Collection Stopper Video FAQ

What is re-aging a debt?

Collection Stopper Video FAQ Every debt that appears on your credit report begins with an opening date. It’s from that date or the last payment date that your statute of limitations begins and ends.… Read More
Collection Stopper Video FAQ

Are business debts covered under the Fair Debt Collection Practices Ace (FDCPA)?

Collection Stopper Video FAQ Unfortunately business debts are not covered under the Fair Debt Collection Practices Act. Under the Fair Debt Collection Practices Act only consumers and consumer debts quali… Read More
Collection Stopper Video FAQ

Can collection agencies charge interest on old debts?

Collection Stopper Video FAQ Collection agencies can charge interest on old or new debts. The good thing about a collection agency pursuing you for an old debt is that they probably don’t have the p… Read More
Collection Stopper Video FAQ

Can debt collectors demand that I tell them my social security number?

Collection Stopper Video FAQ A debt collector can not make you tell them your social security number. Often a debt collector will ask you for your last four which is in some cases acceptable. If you’… Read More
Collection Stopper Video FAQ

What are the general rules when debt collectors contact me for the first time?

Collection Stopper Video FAQ The most common contact of a debt collector is by telephone. The law requires that within five days of that first business contact they must provide you with a letter outlinin… Read More
Collection Stopper Video FAQ

Can a debt collector file a IRS 1099 form on my debt?

Collection Stopper Video FAQ If you work out a deal with a debt collector where you owe a certain amount and you’re settling for less than that amount, part of the negotiation can be that the debt c… Read More
Collection Stopper Video FAQ

I received a judgement notice. Do I have any options?

Collection Stopper Video FAQ The business plan of most debt collectors is that they will sue you for any debt and hope that you don’t answer so they can get a default followed by a default judgement… Read More
Collection Stopper Video FAQ

Do medical debts expire?

Collection Stopper Video FAQ Medical debts are like any other debt. They all have statute of limitations. Depending on the state that you are in, you can have a statute of limitations based upon the fact… Read More
Collection Stopper Video FAQ

Do I have a right to know what is in my credit report?

Collection Stopper Video FAQ You have a right to know what is in your credit report. It is a collection of all the credit information created by furnishers of credit about you and your spending and collec… Read More
Collection Stopper Video FAQ

What can I do if the Credit Reporting Agency (CRA) or information provider will not correct the info?

Collection Stopper Video FAQ If you dispute an item on your credit report and either Trans Union, Experion or Equifax will not remove it or correct it, you have a right under the Fair Credit Reporting Act… Read More
Collection Stopper Video FAQ

What should I know about investigative consumer reports?

Collection Stopper Video FAQ Because the government awards you a free credit report from Trans Union, Equifax and Experion once a year, you should look at your credit report. The investigative credit repo… Read More
Collection Stopper Video FAQ

If the Credit Reporting Agency (CRA) will not fix the problem, what can I do?

Collection Stopper Video FAQ There are two options if the credit bureaus won’t fix the negative trade line on your credit report. Number one is you can dispute again for a second or a third time, bu… Read More
Collection Stopper Video FAQ

What do I do if I am a victim of debt collection harassment?

Collection Stopper Video FAQ Under the Fair Debt Collection Practices Act, you are entitled to $1000 if a debt collector has violated the law or harassed you. You are also entitled to what is called actua… Read More
Collection Stopper Video FAQ

What does an identity theft or FCRA attorney charge?

Collection Stopper Video FAQ The great thing about the Fair Credit Reporting Act is that it has an attorney fee provision. That mandates that the bad guy or the debt collector or credit bureau has to pay… Read More
Collection Stopper Video FAQ

What if a family member used my identity or Social Security number without my permission?

Collection Stopper Video FAQ This is an emotional question, but it requires a logical answer. In any identity theft situation, you must file a police report. Once you do that, you let the police and every… Read More
Collection Stopper Video FAQ

Someone used my Social Security number to open accounts and now debt collection agencies are calling.

Collection Stopper Video FAQ The first thing you do when a debt collector contacts you is dispute the debt either by telling them verbally that you dispute the debt or more importantly sending them a vali… Read More
Collection Stopper Video FAQ

I am a victim of identity theft. How can I be sure I did everything I need to?

Collection Stopper Video FAQ The three things you should do if you’re a victim of identity theft are: Monitor your credit reports. Keep an eye. See if the identity thief is still using your credit… Read More
Collection Stopper Video FAQ

How can I place a fraud alert on my credit report?

Collection Stopper Video FAQ By placing an initial fraud alert on one of your credit bureaus that will alert the other two credit bureaus that you have a fraud alert and each will share that fraud alert i… Read More
Collection Stopper Video FAQ

Should I hire a company to dispute all the bad stuff on my credit?

Collection Stopper Video FAQ I would counsel you to not hire a credit repair company that’s charging you monthly or yearly fees when you can really do everything you need to do on your own and for v… Read More
Collection Stopper Video FAQ

I think I am a victim of identity theft. What should I do now?

Collection Stopper Video FAQ The two most important things you can do if you’re a victim of identity theft is to immediately order your credit reports and dispute the debts on your reports. Secondly… Read More
Collection Stopper Video FAQ

Does a debt collector have the right to contact me?

Collection Stopper Video FAQ A debt collector does have the right to contact you, but there are strict limits. It can not make threats or be abusive. It can not call you at work. It can not tell you that… Read More
Collection Stopper Video FAQ

What can I do if a debt collector is calling me all the time?

Collection Stopper Video FAQ The first thing you should do is notify the debt collector that they should cease and desist from calling you at work. It is illegal to contact you at work once they receive t… Read More
Collection Stopper Video FAQ

How do I stop debt collectors from harassing me?

Collection Stopper Video FAQ The best way to stop a debt collector from harassing you is to send them a cease and desist letter. You can also send them what’s called a validation letter which reques… Read More
Collection Stopper Video FAQ

What is the difference between a debt buyer and a debt collector?

Collection Stopper Video FAQ There are two types of debt collectors. One is a debt buyer. The other is a debt collector. A debt buyer owns the debt. As far as settling with a debt collector, the debt buye… Read More
Collection Stopper Video FAQ

Are creditors required to notify me before turning a delinquent account over to collections?

Collection Stopper Video FAQ Creditors are not required to let you know when they are putting you in collections. Unfortunately, you’ll find out soon enough. However, the contract between you and yo… Read More
Collection Stopper Video FAQ

A collection agency recently told me that they could contact all of my creditors to whom I owe money.

Collection Stopper Video FAQ A debt collector can not contact third parties connected to you once they have contacted you. The only reason a neighbor, a relative or even a bankruptcy court can be contacte… Read More
Collection Stopper Video FAQ

Can collection agencies add or charge interest?

Collection Stopper Video FAQ Collection agencies can add or charge interest on a debt. They are governed by two things – the contract that you signed with your creditor or state law. Either way, a d… Read More
Collection Stopper Video FAQ

Can collectors call my spouse and discuss my debts?

Collection Stopper Video FAQ The debt collector can talk to your spouse and discuss your debts. However, it does not prevent them from following the FDCPA. You should take care to make sure that they foll… Read More
Collection Stopper Video FAQ

Can collectors refuse to give me a reasonable payment plan?

Collection Stopper Video FAQ Unfortunately, you can not compel a debt collector to have a payment plan with you. Unfortunately, the law does not require that they act reasonable with you, just ethically a… Read More
Collection Stopper Video FAQ

I have delinquent credit cards that I got when I lived in Florida. I have since moved to Michigan.

Collection Stopper Video FAQ If you obtained a credit card in one state but move to another state, the statute of limitation of the state that you obtained the credit card in applies. If you were in Flori… Read More
Collection Stopper Video FAQ

If a debt was not validated within 60 days of dispute, what rights do I have it the creditor starts

Collection Stopper Video FAQ Often times a debt collector when receiving a validation request will turn the debt right back to the creditor that gave it to them to collect. In that case, your validation r… Read More
Collection Stopper Video FAQ

The collector is demanding I pay by post-dated check. What are my rights?

Collection Stopper Video FAQ As part of a settlement with a debt collector, the debt collector will commonly ask for the debtor to give them post-dated checks. You can not be compelled to do this. If you… Read More
Collection Stopper Video FAQ

What happens when an ex-spouse goes bankrupt?

Collection Stopper Video FAQ When a debt collector or a creditor learns that it’s customer has cleared their debt in bankruptcy, a common tactic is to place the debt on the remaining spouse’s… Read More
Collection Stopper Video FAQ

I had a written agreement with a collection agency, but now an attorney is threatening to garnish wages.

Collection Stopper Video FAQ It would be illegal if you have an agreement to pay and you’ve kept up with the terms of the payment. It is also illegal to charge more than a debt is actually worth. If… Read More
Collection Stopper Video FAQ

What can I do about inaccurate or incomplete information?

Collection Stopper Video FAQ The first thing that you can do when you have inaccurate or improper information on your credit report is to send what’s called a dispute letter telling the credit repor… Read More
Collection Stopper Video FAQ

What is a Credit Reporting Agency (CRA)?

Collection Stopper Video FAQ A credit report is a collection of your buying and lending information. A credit reporting agency, be it Trans Union, Experion or Equifax collects all of this information on y… Read More
Collection Stopper Video FAQ

How long can a Credit Reporting Agency (CRA) report derogatory information?

Collection Stopper Video FAQ Information on a credit report has a statute of limitations also. Generally your collection or credit information stays on there for seven years. The good news is that good in… Read More
Collection Stopper Video FAQ

Can anyone get a copy of my credit report?

Collection Stopper Video FAQ Only those persons or parties with a legitimate business need can have access to your credit report. Generally, they must have permission from you. Examples of that are potent… Read More
Collection Stopper Video FAQ

Do the Credit Reporting Agency (CRA) only keep accurate information on my credit reports?

Collection Stopper Video FAQ The credit bureaus and the furnishers of credit to those credit bureaus have to supply credit information that is reasonable and accurate. Experts agree that 70% of those cred… Read More
Collection Stopper Video FAQ

How can your law firm help me and clean up my credit report?

Collection Stopper Video FAQ A good identity theft attorney will immediately order your credit bureaus and advise you to obtain a police report so that we can have proof that you don’t owe the debt… Read More
Collection Stopper Video FAQ

Why do I need to dispute directly through the Credit Reporting Agency (CRA)?

Collection Stopper Video FAQ Under the Fair Credit Reporting Act the first step to curing negative information on your credit bureau is to go directly to the credit bureaus and say, “I dispute this… Read More
Collection Stopper Video FAQ

Should I use an identity theft program for my credit?

Collection Stopper Video FAQ I would not advise my clients to pay for something they can do on their own for free. A good identity theft law firm will provide you with the means to dispute debts on your o… Read More
Collection Stopper Video FAQ

What are default judgments?

Collection Stopper Video FAQ When you are sued for a debt, unless you answer the lawsuit, you will be placed in default, so whether you owed the debt or not would be irrelevant. After 21 days, that defaul… Read More
Collection Stopper Video FAQ

What is the Fair Credit Reporting Act (FCRA)?

Collection Stopper Video FAQ The Fair Credit Reporting Act is a federal statute that disseminates, collects and protects your credit information. In short it regulates what goes on your credit report. Read More
Collection Stopper Video FAQ

Is there a charge for my credit report?

Collection Stopper Video FAQ A new federal law has mandated that the three credit bureaus, Equifax, Experion and Trans Union give you a free credit report every year. Go to annualcreditreport.com and you… Read More
Collection Stopper Video FAQ

What is a credit furnisher?

Collection Stopper Video FAQ A credit furnisher is any debt collection company, mortgage company, credit card company that places information about you on your credit report. They are duty bound to supply… Read More
Collection Stopper Video FAQ

How do I get a copy of my credit report?

Collection Stopper Video FAQ There are two ways to obtain a credit report. One is to order it. You are entitled to get one free credit report. Go to annualcreditreport.com and the government will provide… Read More
Collection Stopper Video FAQ

What is a mixed account?

Collection Stopper Video FAQ A mixed account generally occurs when someone with your same name or similar social security number mixes their credit information with yours. Often a Robert Smith will find t… Read More
Collection Stopper Video FAQ

I want to discuss my debt situation with you. What do I do?

Collection Stopper Video FAQ The best way you can help your attorney and your case is to have all of your ducks in a row. Make sure you have ordered all of your credit reports. You have copies of the lett… Read More
Collection Stopper Video FAQ

How can I find out if someone opened a credit or cell phone account using my name?

Collection Stopper Video FAQ There are a number of ways that we find out about identity theft. One of the ways is that we start receiving free credit offers in the mail or credit cards or phone accounts w… Read More

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