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I’d been cleaning up my credit for the last few months when I out of nowhere I get a debt added from a collection agency on behalf of another collection agency, on behalf of another, on behalf of Discover Card.

The original debt from Discover was reported delinquent in October of 2000 and charged off in May 2001. The original debt has been removed from credit report along with the other collection agencies, but this company somehow managed to (falsely) verify the debt and claimed that I made a recent payment of $ 65 (When I asked them they said the recent payment was in January 2001).

Initially the collection agency had another agency call and threaten me and then they denied it later. When I recently talked to the supervisor at the collection agency he was very nasty and agitated when I said the debt was seven years old and threatened to file a 1099.

How should I proceed ? Should I wait until Oct. or Apr. when it should be off my report or should I try to do something now?

6 Thoughts on What to do when Collection Agencies lie and use manipulative tactics?
  1. Reply
    November 9, 2011 at 11:36 am

    After 7 years it should drop off your report and you are no longer responsible for it. This is probably why they are pressuring you as it is near that point. If you pay or do anything then it starts the 7 years over again. The people that work for these companies are thugs but really don’t have much they can really do to you. If they wanted to sue they could but likely nothing will happen. I’d ignore them and focus on what accounts you are doing well on. If a few months after it should have dropped off, they are still harrasing you and it’s still on your report, Just file a dispute with one of the credit agencies and they should clear it.

  2. Reply
    November 9, 2011 at 11:58 am

    Tell them to take it to court. If they say no, then tell them to stop calling. They have to stop or else you can sue for harassment.

  3. Reply
    November 9, 2011 at 12:20 pm

    Call your state’s Attorney General’s office and tell them what you’ve said here. Ask them if you have any recourse against these agencies in your state.

  4. Reply
    November 9, 2011 at 12:44 pm

    What I can tell you is that everything they are doing to you is illegal. Trying calling Balance financial counselor at 1-888-456-2227. These counselor can assist you on how to deal with people like this for free and what to say or not say. Give it a try, it helped me! here is their website: [email protected]

  5. Reply
    November 9, 2011 at 12:58 pm

    Just cause its off your report doesn’t mean you don’t owe it!!!! No one falsely did anything-you owe the them or don’t but they’ll keep at it until you pay.

  6. Reply
    November 9, 2011 at 1:10 pm

    To respond to a different poster. The creditors can and WILL call you. They do not have to stop unless you send in a cease and desist order, in writing, telling them not to call. They can take the phone number out of their calling list for 10 days, but after that it’ll start again. This is coming from the FDCPA, the Federal Debt Collections Privacy Act. Also, if you do not have a land line and only a cell phone, and you tell them that, they cannot call. Since its a collections call, they have to pay for the call and cant do that on a cell phone. Good Luck!

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