Collection Agencies

I'm going to provide you with more than 20 pages of lists of collection agencies, but I'm going to ask you to do a little favor for me in return. 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

A great little flash movie that tells you what Creditwrench can do for you .

A cute little flash movie about the NCO debt collector and how to use CREDITWRENCH to beat up on him

Do you owe money to a collection agency? Are Collection agencies hounding you to death, calling you at all hours demanding payment?

Do you really believe that if you pay that collection agency what they claim you owe them that will help your credit ratings?

If so then think again because paying won't help your credit ratings, it will only hurt them even more!!

Here is why that is true. Paying them don't take it off your credit reports! You pay them and all that happens (if you are lucky) is that they put a notation on your credit reports that says "Paid charge off" or "Paid collection item" and that don't help you even one little bit. In fact, it hurts you two ways.
1. It ensures that the derogatory item is going to stay on your credit report for the full 7 years allowable under FCRA (Fair Credit Reporting Act.)
2. Any item, even an inquiry from a collection agency is a poison pill on your credit report!

Isn't that a nice way for them to say "Thank you for your payment?? (NOT)

And if you think you can get anywhere by asking or even demanding that a collection agency take it off your credit reports a collection agency will lie to you and tell you and tell you they can't do that. They may even try to tell you that it is against the law for them to take it off! All of it is a lie because the only reason Collection agencies don't want to take it off is because they have a contractual agreement with the credit bureaus that says a collection agency won't do that in return for payment.

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. Collection agencies are absolute criminals and Collection agencies have absolutely no respect for you whatever. Collection agencies 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 Collection agencies 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.

Top 10 things debt collectors don't want you to know.

1. The More You Pay, the More Collection agencies Earn
Collectors get commissions -- usually 30 to 50% -- on money they bring in, which often double or triple their salaries. This means Collection agencies have a strong incentive to press for a big "down payment" from you, even if this deepens the cycle of debt. Collectors hoping for a big commission may claim that the boss insists on a big down payment. In fact, blaming it on a mythical manager is designed to deflect your anger away from the collector.

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. Collection agencies 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.

Be sure to visit the CREDITWRENCH blog every day!

TENNESSEE COLLECTION AGENCIES

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?
I promise I won't spam you and I won't sell, give or reveal your email addy to anybody. Your privacy will be respected and completly protected.

A very important read.

Understanding how debt collectors operate

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

A & S COLLECTION ASSOCIATES, INC. ,P. O. BOX 395 , ,WILLIAMSTOWN ,VT ,05679

A-1 ACTION COLLECTION SERVICE ,441 E. BERNARD AVE. , ,GREENEVILLE ,TN ,37745

A/R CONSULTANTS ,P. O. BOX 2528 ,1417 DRAKES CREEK ROAD ,HENDERSONVILLE ,TN ,37075 ,

AAA COLLECTION & COUNSELING & ,P. O. BOX 496 , ,COOKEVILLE ,TN ,38503

ACA RECEIVABLES COMPANY LLC ,2158 WEST 190TH STREET ,P. O. BOX 2829 ,TORRANCE ,CA ,90504

ACADEMY COLLECTION SERVICE, INC. ,10965 DECATUR ROAD , ,PHILADELPHIA ,PA ,19154

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Here are more than 20 pages of collection agencies from all over the U.S

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 website and we have a message board at

Message board as well.

Bill Bauer