Fighting Collection Agency Debt

If you're one of the many people who have received calls and letters from collectors regarding debts you weren't even aware existed, sending the collection agency a debt validation letter is one way to ensure the debt is yours before you pay it.
What many debtors don't realize is that, while federal law gives you the right to request debt validation, it doesn't require the collection agency to actually provide it. It merely prohibits the debt collector from continuing with any collection activity...

Dear Mr. Edwards,
Nearly three years ago I had a visit to the emergency room. I was sick for almost a month before letting my soon-to-be husband convince me to be seen, or rather force me. I had no insurance and was very hesitant to go. He paid the required $250 at the...

If you want to see unbridled fury, you need look no further than the guy who's just watched as a tow
truck loaded up his car and headed to the impound lot. If you aren't familiar with impound lots, they're nothing more than prison for cars. And this is not a figurative statement. I've seen impound lots that had the whole metal-bars-and-barbed-wire thing...

Lee,
I have a creditor that keeps reporting a major derogatory to my credit report every week. Sometimes twice a week. Will this bring my score down every time they report it? Its a $180.00 balance.
--Anonymous