How to Keep a Debt Collector From Ruining the Holidays

Managing Debt

How to Keep a Debt Collector From Ruining the Holidays

How to Keep a Debt Collector From Ruining the Holidays

The holidays are swiftly approaching, and, while everyone’s generally happy to wait on Santa, there’s one person you surely won’t want calling this time of year: a debt collector. Fortunately, consumers on the receiving end of letters, phone calls, emails or other means of recouping a debt don’t need to let any correspondence ruin their holiday cheer. Here are... Read More

Can a Debt Collector Text You?

Managing Debt

Can a Debt Collector Text You?

Can a Debt Collector Text You?

The good old-fashioned phone call has steadily given way to text messaging in recent years, including, it seems, within the debt collection industry. A Credit.com blog reader recently shared her story of how a debt collector had sent a text to her mother (who had served as a reference on her auto loan application) about an outstanding car payment. While her question... Read More

When a Debt Collector Pretends to Be the Pizza Guy

Managing Debt

When a Debt Collector Pretends to Be the Pizza Guy

When a Debt Collector Pretends to Be the Pizza Guy

When the phone rang, the message on the caller ID display was a surprise. Sometimes it said, “Flower Shop.” Or “Pizza Delivery.” Or the name or number of a family member. Or “Repossession Services.” When consumers answered the phone, the ruse continued. An operator gave the impression that flowers or pizza were on the way,... Read More

My Debt Was Charged Off. What Does That Mean?!

Managing Debt

My Debt Was Charged Off. What Does That Mean?!

My Debt Was Charged Off. What Does That Mean?!

One of the most misunderstood credit terms is the phrase “charged-off.” You may have seen it on your credit report next to an old debt you vaguely remember. At first look, it sounds almost positive, as if implying that a balance has been eliminated, removed and paid off. In reality, however, a charged-off account can... Read More

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