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I've provided you with this list of collection agencies. Now will you please
do me a little favor?
All I ask of you is to click on this link and tell me Why
you are looking for a collection agency?
A very important read.
Understanding how debt collectors operate
I can teach you how to force them to take it off in return for payment in full
of what you owe them! It is simple and easy to do and leaves them with no choice
but to take it off your credit reports within 10 days after they cash your payment
check regardless of what their silly contract with the credit bureaus says.
And I'll teach you how to do it for free! No cost nor obligation whatever!
All you have to do to learn this valuable secret is to go back up to the top
and click on the link that asks you to tell me why you are looking for that
collection agency. And I will not sell or give away your email address and I
will not send you any spam! Guaranteed! Your privacy will be completely and
totally protected.
I hate spammers as much or maybe even more than most folks do. In fact, I double
dare any spammer to send me an email at bbauer@providiots.com because Oklahoma
has a new anti-spam law that allows me to sue them for up to $25,000 a pop!
So, do you really want to pay them after all? If not then I can teach you how to not only make them take it off your credit reports but pay the bill for you as well!
All you have to do is learn the law and how to use it to protect you and your
family from these vultures. They are absolute criminals and they have absolutely
no respect for you whatever. They think you are a low life scum because you
didn't pay your bills, never mind the fact that you may have lost your job or
had family health problems. If you really want to know what they think of you
then just visit this website
where they talk among themselves and reveal their true feelings about the
people they collect from and the dirty tricks they use to get people to pay
them.
So what else can I do for you? I can teach you how to get great credit ratings
and never have to pay them a crying dime! I can teach you how to make them pay
you huge damage awards for their unlawful actions. I can teach you how to beat
their lawyers and keep them from getting judgments against you! I can teach
you how to get their judgments vacated and voided as well.
And no, I'm not a lawyer and I wouldn't admit it if I was! All you have to do
to learn how to win the collections game is to go back up to the top and send
me that email and I will be glad to give you the help you really need.
2. Payment Deadlines Are Phony
Payment deadlines set by collectors are meaningless. Collectors simply want
to create a sense of urgency, because the longer it takes to get you to pay,
the less chance there is of collecting the debt.
3. They Don't Need a 'Financial Statement'
Collectors often claim they need a "financial statement" from you, so they can
work out a realistic repayment plan. You'll notice, though, that the information
they ask for -- bank account numbers, references, place of employment -- is
far more than they need for that purpose. They're fishing for information that
will help them find you if you move or sue you if you don't repay the debt.
4. The Threats Are Inflated
Collectors always graphically detail the disastrous consequences of failing
to pay a debt. "Your credit rating will be ruined," they warn. (Not mentioning
that it's probably already not so good, since a collection company is after
you.) "Your personal possessions, including your car, could be seized and sold
at a public auction!" (Never mind that this virtually never happens; it's illegal
in some states and impractical because of the expense.) Probably 95% of the
time, collectors go after only bank accounts and wages.
5. You Can Stop Their Calls
You have the right, under federal law, to tell a collection agency to stop contacting
you. Just do it in writing, and contacts must stop, unless they're to tell you
that collection efforts have ended or the agency is going to take a specific
action (like filing a lawsuit) against you. But you must be careful with this
because if you leave them no way to contact you they will probably file a lawsuit
on you. You can tell them to stop calling you or contacting you at work but
don't send a full cease & desist because that will probably get you hauled
into court and I'm sure you don't need or want that. The easy and painless way
to stop them from calling your home and bugging you to death is to get a copy
of my famous 18 questions and demand that they answer each and every one of
them every time they call. Just remember that federal law demands that they
give full and complete disclosure of who they are and the purpose of their call
every time they call you and my 18 questions will ensure that they do just that.
If you make them answer all 18 questions then they have nothing left to talk
about so just hang up. The conversation is done anyway so don't let them start
their harassment of you.
6. They Can Find Out How Much You Have in the Bank
A collector who has your bank account and social security numbers can probably
easily find out the balance of the account. Because big banks now have automated
account inquiry systems, the collector doesn't even have to speak to a human
being; all it takes is a phone call to the automated voice-mail service. When
the account number and social security numbers are punched in, the computer
promptly supplies an up-to-the-minute account balance.
7. If You're Out of State, They're Out of Luck
Collection agencies routinely call out-of-state debtors to demand payment. But
if a creditor has sued you and won, you are probably safe from enforcement action
if you bank and work outside the state where the lawsuit was filed. That's because
to collect, the collection agency must transfer the judgment to your state,
which is prohibitively time-consuming and expensive.
8. They Can't Take It All
Certain income, such as social security, pensions and 75% of your take-home
pay, is exempt from enforcement action. You can file a claim of exemption from
a garnishment of the other 25% of your wages if it would cause you or your family
severe hardship.
9. They May Not Know a Thing
Sometimes a collection agency lawyer, trying to collect a judgment debt, sends
questions on a court form asking about your income and assets. (These are called
"post-judgment interrogatories" or "information subpoenas.") This is good news
for you -- it means that the agency has no information and is hoping you will
be intimidated enough by this legal questionnaire to complete it. Many people
do, because the forms list sanctions, such as fines, for not doing so. But normally,
it is too expensive and time-consuming for an agency to go to court and force
compliance.
10. You Can Pay Student Loans in Installments
If you are behind on student loans, you can apply for what every collection
agency hates: "reasonable and affordable payments" under the 1992 Higher Education
Act. If you can document financial hardship, a collection agency must accept
as little as $10 per month for at least six months. As long as you make the
payments, you are eligible for Title IV Student Aid, and you can continue the
payments unless your circumstances change.
A very important read.
Understanding how debt collectors operate
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
AAA Collections
(907) 278-4566 340 G St
Anchorage, AK
Alaska Court Collection
(907) 332-4388
Anchorage, AK
Alaska Creditor Service
(907) 563-8182 PO Box 243906
Anchorage, AK
Alaska Financial Service Inc
(907) 562-1600 360 W Benson Blvd # 303
Anchorage, AK
Assets Solutions Of Alaska
(907) 345-4077
Anchorage, AK
C R Inc
(907) 276-0100 123 E Fireweed Ln # 22
Anchorage, AK
Cornerstone Credit Service
(907) 770-8100 3310 Arctic Blvd # 200
Anchorage, AK
Doctors' Collection Service
(907) 277-3037 605 Barrow St # 1
Anchorage, AK
Financial Collection
(907) 274-6683 629 L St
Anchorage, AK
Mattson Investigations Inc
(907) 258-1555 1035 W Fireweed Ln
Anchorage, AK
Osi Collection Service
(907) 770-3400 360 W Benson Blvd
Anchorage, AK
Personal Collections Of Alaska
(907) 348-0861 2300 Azurite Ct
Anchorage, AK
Recovery Management
(907) 243-3565 9191 Old Seward Hwy
Anchorage, AK
Recovery Management Collection
(907) 344-1059 9191 Old Seward Hwy # 14
Anchorage, AK
Transworld Systems
(907) 868-4970 341 W Tudor Rd # 206
Anchorage, AK
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Creditwrench has lots and lots of resources available
for you to learn how to
deal with your debt problems and re-establish your credit.
Our website is at Creditwrench
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