Common Problems

Consumers face a number of problems with collection agencies but these are the most common ones.  Collection agencies are allowed to make calls and send letters as long as they follow the rules.  As a result, this category describes the most common infractions and how to resolve these problems.

Not My Debt – Calling Wrong Person

The Credit Doctor

  The Scenario Who is John & Mary Smith and why do people keep calling me for them.  My phone ...

Collectors Calling Work, Relatives, Friends

The Credit Doctor

The answer to your question about whether collectors can call you at work, your relatives, friends, or neighbors is a ...

Debt Consolidation Or Debt Settlement Companies

The Credit Doctor

I will say right off the bat that I do not like either of these options.  Working with debt consolidation ...

Victim Of Identity Theft & Fraud

The Credit Doctor

The calls have been steadily rising regarding phantom accounts.  It was extremely confusing because the callers had all of your ...

Too Much Interest Or Completely Wrong Amount

The Credit Doctor

The Wrong Amount The wrong amount being collected is one of the most common issues that we come across. It ...

Refusal To Verify Debt

The Credit Doctor

ACT I The phone rings while you are watching your favorite tv show after a long hard day at work. ...

Threatening Phone Calls

The Credit Doctor

If you are getting threatening phone calls, chances are you are dealing with the bottom 1% of collection agencies. Because ...