Consumer Resolutions

Why is a debt collection agency calling me

Receiving a call from a toll agency can often be confusing. If you don’t know who is calling or what it is, you will be asked to confirm your first and last name. You may also be notified of why you are calling after confirming other personal information.

The Fair Debt Collection Practices (FDCPA) prohibits collection agencies from providing information about these claims to third parties. To comply with this law, agents must ensure that they are communicating with the correct party before disclosing information regarding debt or telephone reasons. Only an individual, her spouse, a lawyer, or any other designated authorized person can notify you of debt, the balance of your account, or the presence of a creditor.

The verification process, which can be inconvenient and a bit annoying at the beginning of a call, is a state requirement and runs every time you talk to an agent about your account.)

Why doesn’t Collection Agency leave a message?

To avoid accidentally sharing debt information about a debt with a third party, the agency avoids leaving a voice email indicating the purpose of the call. This is taken as a precautionary measure taken by government agencies to comply with the FDCPA. If voicemail is accidentally intercepted by an unauthorized third party, it violates this law. No message is left unless the consumer gives explicit permission to leave the message. Collection Center, Inc. I would like to support you. We are here to resolve any unpaid amount in the past.

What should you do after receiving a notification from the collection Agency?

If the account is unpaid for weeks or months and there is little or no contact with the consumer, the lender considers the account delinquent and hires an external collection agency to assist in collecting the balance. There is. This is not uncommon, as many companies specialize in the types of services and products they offer rather than collecting accounts payable.
After receiving the invoice from the creditor, the collector will try to contact the consumer, including sending a reminder. When you receive a notification, you should not ignore it. Please take the time to review the information carefully and contact the dealer. Most agents provide their toll-free phone number and address on the notice so you can contact them directly. Any questions or concerns regarding accounts or notices should be directed to the agent and not the original creditor. Several things can happen between the time you make your first contact with the creditor and when you are first contacted by the agent.
Several things can occur between the time in which you originally interacted with the creditor and when you are first contacted by an agency. Even if you can’t pay, it’s important to contact your agent about your expired account.
Without contact, we cannot show that we are trying to avoid the debt altogether, and the debt collector can take further steps. This action may include listing debt to one or more credit bureaus or seeking legal remedies.
Regardless of the reason for the invoice delinquency, payment options or alternative solutions can result from a simple conversation, so it’s best to contact a debt collection agency to have a conversation.
We want to help. We are here to resolve any unpaid amount in the past.

Collection Agency is listed on my credit report. And now?

If the Collection agency is listed on your credit report, it’s best to contact them directly to discuss this. After receiving an invoice from the creditor, the collector often tries to contact the consumer several times. At Collection Agency while trying to contact customers multiple times, we wait 45 days or more before releasing records to one or more credit bureaus.
These communication efforts may include phone calls and collection notices, sent to the consumer’s residential address provided by the original creditor. If a consumer fails to respond to these efforts, listing the consumer’s credit report is often the next step taken to encourage repayment.
An unpaid collection can hurt your credit score and negatively impact your ability to get credit in the future, while a paid collection has less of an effect. future credit availability. If Collection Agency is included in your credit report, please contact us immediately.
At Seminole Montgomery LLC, we want to help. We are here to assist in settling any outstanding balances due in the past.

For further information you can visit the three major credit bureaus:
https://www.experian.com/
https://www.transunion.com/
https://www.equifax.com/personal/