And it is your responsibility to pay this.
You should however contact the original loan holder and request in writing a complete statement of all charges and balances owed, with reconcilliation of all amounts paid or applied toward the original balance. Do it in writing, otherwise there is no obligation by the original creditor to provide this information. contactthe collection agency atthe same time, also in writing, and inform them that you are negotiating with their client, and that they should cease and desist all collection efforts.
Remember, do it all in writing. Send the letters registered, return receipt so you have proof of service, and keep copies of everything.
no
yes
No.
Yes, Collection agency can do that. But contact a good collection agency like Guardian Credit Services, they know will how to deal with customers to get money
Yes, they can collect from the parents or legal guardian.
Yes if they are licensed to do so
Of course. If it's an unpaid debt, the collection agency owning the debt may try to collect it. And beware, they can track you down no matter what. However, they have to abide by certain rules, which are defined in the Fair Debt Collection Act.
A collection agency can collect from someone on social security or disability. If you incurred a debt, you can be prosecuted.
If the debt was sold to a collection agency and the original creditor accepted payment AFTER the debt was sold, the money does not belong to them. If, however, you paid the debt and it was mistakingly sol after that payment, the collection agency can't try to collect. If you have proof of payment, forward it to the collection agency and deman in writing that they cease trying to collect this debt.
a collection agency can collect where ever they need to. they purchased the debt from the timeshare company (to use your example). what i don't know is if they can impact your credit if for instance you were in the US and the collection agency or timeshare company is out of the country.
A collection agency is commissioned to collect money from those who have defaulted on credit card bills or loans. The agency tries to recover as much money as possible.
Only if they are licensed in another state and only if that state requires a license. If no license is required, any agency can collect there.