advertisement
Reply
Thread Tools Display Modes
sarahsweets
Threadtastic Postaholic
 
sarahsweets's Avatar
sarahsweets has no updates.
 
Member Since: Dec 2018
Location: New Jersey
Posts: 6,006 (SuperPoster!)
5 yr Member
192 hugs
given
PC PoohBah!
Default Aug 18, 2020 at 02:02 AM
  #1
We have not so good credit due to the previous recessions and my husband being out of work for a year. I know there is medical debt. Is there a company or state program/organization that helps you dispute/ repair credit that is not one of those shady expensive companies? I just need someone who knows the game to help us dispute debts/ make them better. I hate debt collectors. Imagine I you owe me 5$. But i decide that my mom can have the debt to collect so I sell her the debt for 1$. Now my mom gets to collect on the 5$ and add fees because she wants to. Now instead of you owing the debt to me, you now owe her plus whatever she tacks onto it. How is that fair? I living in Burlington County NJ.

__________________
"I carried a watermelon?"

President of the no F's given society.
sarahsweets is offline   Reply With QuoteReply With Quote

advertisement
quietlylost
Member
quietlylost has no updates.
 
Member Since: Mar 2020
Location: Michigan
Posts: 126
3 yr Member
1 hugs
given
Default Aug 18, 2020 at 01:57 PM
  #2
GreenPath has been helpful in the past. A trusted non-profit.
quietlylost is offline   Reply With QuoteReply With Quote
Anonymous43372
Guest
Anonymous43372 has no updates. Edit
 
Posts: n/a
Default Aug 20, 2020 at 12:26 AM
  #3
There should be a local nonprofit organization in your city where you can meet with a financial advisor for free who can help you sort out your credit issues. Try that route.

Debt collectors are vile. I paid a T-Mobile account off in 2012 and that debt has been resold about 3 times since and just recently the 3rd debt collector deducted 50 points from my credit score after reporting it as past due. I was furious. I had to contact the debt collector I had paid it off with to get a confirmation letter. Then, I contacted the debt collector for an email address or PO Box address to send that to. Lastly, I filed a dispute on my credit report and attached my letter, the confirmation letter, and a screen shot of the credit report where the debt was wrongly reported. Within five hours, the credit report dispute dept had contacted the debt collector (what they did was illegal, and the knew it, trying to collect on a paid/closed debt from me), asked them to provide proof of my debt as unpaid and they couldn't. So, the dispute dept took my evidence and verified it, then deleted the debt from my credit report. Now, I am down 50 points. So, I have to wait and see if my credit score will increase again.

I just shared my personal experience as an example of what you can avoid if you go to a social service agency for help with your credit. They have accountants who volunteer for free and help people repair their credit. Those are more legit than those consumer debt agencies. Don't waste your time with those. They're in on the scam b/c they will charge you money to consolidate your debt.

I am still trying to get debt from 2012 and 2009 removed from my credit report and sometimes it feels like an uphill battle when I can't get it removed.
  Reply With QuoteReply With Quote
All times are GMT -5. The time now is 06:47 AM.
Powered by vBulletin® — Copyright © 2000 - 2024, Jelsoft Enterprises Ltd.



 

My Support Forums

My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.

 

Helplines and Lifelines

The material on this site is for informational purposes only, and is not a substitute for medical advice, diagnosis or treatment provided by a qualified health care provider.

Always consult your doctor or mental health professional before trying anything you read here.