a creditor came up to my brother and told him how much i owe.where can i find the disclosure laws at?
95975
Elsa gave you fantastic information even helped me thanks elsa
1032164
I think this is a new area of concern and that there isn't policies as to rights set in place yet.  I could be wrong.  Talk to a lawyer.\n\nBe thankful that your company told you so you can keep an eye on your credit reports and be more aware if something looks fishy.
837183
I need more information.  Arbitration in regards to what?  Credit card debt?
487175
Would need a bit more info to advise you.  How many credit cards arewe talking about, what balances, what state?\n\nTake a look at the link below.  It describes what the Statute of Limitations is, and the reporting period for your credit.  \n\nLike Icsowesmemoney stated, they can sue you.  But as a general rule, they usually don't go after you unless you owe more then $1000, and it depends on if the collection agency is located near you or not.  Having to hire an out-of-state attorney isn't worth it unless your balance is fairly large.\n\nIf the Statute of Limitations has run out, you are home free.  If it's about to run out, you can gamble and hide from the collectors.  \n\nAs for your credit rating, debts are reported for 7 years, beginning on the day of the delinquincy.
551271
I'm not sure how reliable it would be to get estimates from here. Your best bet would be to call up different firms that specialize in consumer credit litigation and ask them what they charge. Maybe also contact law society members who specialize in this area as well, to get a general idea of rates they have.
1024791
what type of help are you asking for? you stated that you were charged. you need a lawyer.
947351
I don't believe you can gain access to this information.  If you had authorization to view his credit report you would be able to see who has pulled his credit recently but even then, there is no way of telling if he completed the application with the lender or if the loan was processed or approved.  Sorry - wish I could give you better news.
954033
get a equifax credit report, it will tell you who you owe and how much. make sure to keep your reciept for payment incase they dont strike it from your credit report so you can prove you paid it.
335066
I work for a collection agency.  If they call you, tell them you want to pispute the charges.  They will give you an address.  You have 14days from the day they tell you this to write the letter and for them to recieve it.  They will evaluate the vilidity of your claim.  However, if you claim fraud and you are lying and all the calls made were made by you, you will go to prison for fraud.\nThey can give you a settlement...anywhere from 80% of the original bill to 50% of the original bill, depending on what company you are with.  And they might take payments.  Most do.\nGood luck to you.\nRemember, this will affect your credit and collectors report every 30days to the creit bureaus.
947024
you could try freecreditreport.com
277452
Depends on what that office is sharing with your family members and if the person calling the houses is in fact not a lawyer and advising them that they are.  If they are collecting their own debt then they do not have to follow all the rules of the "Fair Debt Collections Act".  If they gave any info on your debt such as what it is for and the amount that you owe than they can be penalized.  Not sure what you can do but consult a lawyer.  Read up on the Act and you can get more info for yourself.  All the family members and friends have to do is to request that they never call them again and if they do then go futher and send a certified letter advising them to not call that way they have a copy of who signed for the letter and then you know that they recieved it.  Be sure to have them keep a copy in their files.  Then you have more leeway and may be able to have your debt cleared because of harassement.  But if you do owe the debt just call them and make the most minimal pmts.
179746
I'm not quite sure, but I think you can go to your acct/Myacct and they tell you there.
611587
The easiest way is to ask them to submit their own credit report that they can access online for free once a year.  Or, you can have them sign a waiver and pay a fee to cover your costs so that you can access it, but it seems like you probably don't have a lawyer and it might be easier the other way.  \n\nHave them start here: https://www.annualcreditreport.com/cra/index.jsp
419453
Max, it's VERY important how the information is reported on your credit report, as it effects how your credit score is calculate\n\nBelow is what the law says.  I'm amazed at how many people keep getting this wrong.  It's written quite plainly so anyone can understand it.  \n\nThe date for reporting begins on the day you defaulted on the loan.  In your case, once your medical services were finished payment is generally due immediately.  If they send you a bill, there is usually a "pay by" date.  That is your default date.  \n\nIf anyone tells you it's the date of the last transaction, the day you last talked to them, the day you pay it off....they are either wrong or just lieing to you.  \n\nBy the way, if you pay off this debt, be sure to get IN WRITING that they will remove this listing from your report.  Otherwise, all they will do is show the account is paid, but the negative reports such as paid late, or sent to collections, will still remain.  Your credit will still be ruined, even though you paid the debt!  Does that make sense to you?\n\nHere is the law:\n\n\n§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]\n\n(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:\n\n(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.(1)\n\n(1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is  earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period  beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.\n\nUpdated Reply...\n\nJC, this is another example of what pisses me off with you collectors.  YOU can't read!  Read my message again!  The law I quoted is right from the FTC website, and (to me) is fairly obvious.  Where does it say "last charge" or "last payment in the above paragraphs?  \n\nAnd the ONLY thing that can remain on your credit report for more then 7 years is a Bankruptcy.  We are not even discussing that, so why scare people by bringing that up?  \n\nAgain, I will ask you to point me to a source for your information.  I will not accept "because I'm a professional bill collector".  This only proves my point!  If you need more evidence, I will be happy to point out FTC commission position papers, case laws, and state laws that prove you wrong.\n\nEvery response I have seen from you in this forum is always the same. "Pay your bill!".  God!  You make a great collection agent!  You got that part memorized.  But what do you say to the 75 year old lady who just spend 3 months in the hospital and is now $25,000 in debt for medical bills, and can't make that $100 credit card payment?  Oh yeah, right...."Pay your bill!".
1073560
THIS IS NOT LEGAL ADVICE.  YOU SHOULD SEEK ADVICE OF A LAWYER IN YOUR STATE FOR ADVICE REGARDING STATE-SPECIFIC  AS WELL AS APPLICABLE FEDERAL LAWS.\n\nOK - got the disclaimer out of the way.  \n\nYou could always pay the bill and provide the creditor with the payment details.  If things have gone beyond the phase of simply just paying the bill there are laws which protect consumers from unwieldy and unwelcome calls from creditors.  The Fair Debt Collection Practices Act governs what creditors can and cannot do in the pursuit of collecting unpaid debt.  If you don't want to receive the calls you may want to consider telling the creditor just that the next time you get a collection call.  Keep a record of the calls and how you respond to them. If it gets out of hand, abusive or overbearing the best thing to do is get in touch with a local attorney.\n\nGood luck.
970743
State websites list the info on who is owed money.
237495
First, this is to progunr.  Please point out where in the law you are referring to.  Your information is wrong.\n\nLets get one fact straight.  The credit reporting bureau reports what creditors/collection agents tell them.  If it's not accurate, it will be removed.\n\nIf the creditor tells them to remove or change an item, they will do it.  Do not believe any other crap they tell you, it's not true.  \n\nThe credit bureau will not remove any item that is true (ie, verified with the creditor).  That means that if you send the credit bureau a complaint, the bureau will contact the creditor and "verify" that the report is accurate.  If they say it's accurate, then the report will stay.  But you can place a comment in your report disputing it.  \n\nThe credit bureau does NOT investigate whether the information is actually accurate.  They only report what is told to them.\n\nTherefore, if the creditor tells the bureau that the report is not accurate, and that it should either be removed or verified, they will do it.  \n\nThe only other way to get the report changed or removed involved a lengthy process of letter writing, validation, complaints, threats, and sometimes a call from an attorney.  \n\nThat is why it's so very, VERY, important to get IN WRITING an agreement with the creditor to remove the listing once the bill is paid.  After they get the money you no longer have any leverage with them.\n\nNow...as to your question about makign them make a deal with you....\n\nWhy are you even messing with a collection agent?  Unless that agent purchased your debt outright, you have no legal obligatin to even talk to them.  So contact the original creditor and see if they want to deal with you.\n\nIf not, what is the point of paying them?  Your credit will still be ruined.  Tell them to take you to court.   If the debt is small (under $500) they probably won't go through the time and expense.  \n\nMy battle cry!  You are about to go to war!  Do not fight these guys unarmed!  Knowledge of the law is your only weapon!  Read the links below, it will show you exactly what you need to do when dealing with these guys.\n\nContact me if you need any further advice or support.