Paying off a little debt that has gone to collections A couple years back I rented an apartment and moved later in the year. I was assured that the apartment complex would only charge me until they found someone willing to fill the space. “Typically 3 months” was the wording used. 4 months later I was still being charged and could no longer make the payments for both apartments so I chose to let it…

Medical Bill from 3rd Party Group Sent to Collections With NO Notice Received a phone call outta nowhere yesterday from a representative calling from a collections agency saying I have $150 bill overdue. Thought it was a scam at first, until I asked some more questions and found out I had an overdue medical bill from around the time I had an MRI done last summer. Thought it was strange, because I had already paid…

I need some help with debt collections that I don’t owe Super long story semi-short I tried to switch to T-Mobile about 8 months ago, but I never received a new phone from them and after going back and forth trying to get a new one I decided just to stay with my old provider. I got fully refunded for everything and the account shut down. A few weeks later I received a new phone from T-Mobile that I …

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Medical bill went to collections My kid went to a Dr and even with insurance they charged me $420. I appealed and even applied for financial assistance with the hospital. They rejected my application but did not tell me and sent my bill to collections. I called and they said you still owe the bill even when applied for assistance. So now I have $420 that I owe CBE group. I know…

Medical debt sent to collections. They sent me a letter with options I have no idea how to navigate this or what to choose as I have never delt with collection agencies before. They are giving me these 3 options 1) dispute the debt by specific date ( give explanation of why I am disputing: a) not my debt b) amount is wrong c) other) 2)Request them to send the name and address of the original creditor 3) make a pa…

Hospital billing error sent to collections Hi, I had an MRI of the cervical and lumbar. I have deep brain stimulator hardware in my head. So the day of the MRI they said that even though the back MRIs are considered one procedue, that I would have to do one part (lumbar) that day and come back the next for the cervical. I paid the copay on the first day and wasn asked for any payment the…

Costco sent me to collections over a fridge I never received—any advice? I purchased a fridge from Costco.com, but it was never delivered. When I reached out to Costco, they claimed their third-party delivery service marked the item as delivered and refused to assist me further. When I asked how to dispute this, they denied my ability to investigate further, essentially washing their hands of the situation. I then di…

Threads follows Bluesky’s starter packs with curated collections of people to follow Illustration: The VergeMeta’s Threads is getting another feature seemingly inspired by Bluesky: curated groups of accounts that you can follow all at once. They basically sound like Meta’s take on Bluesky’s handy starter packs. Instagram boss Adam Mosseri announced Thursday that Meta is starting to test the feature, and he said that you’ll see t…

Fraudulent collections debt I recently checked my credit report and realized that I have a collections debt for $2k for an original debt with AT&T. But I have never used at&t in my life. I froze my credit report on all 3 agencies and started online disputes through 2 of them. I have also tried getting in contact with AT&T directly but they are not connecting me w a live re…

$2000, 3-year-old medical collections. Should I write certified dispute letters to collections agency and the three bureaus? Hi everyone, I basically just wanted to know if I should write dispute letters to both the collections agency and all three credit bureaus? If so, I do them all at the same time right? Or wait for a response from the collections agency? I’ve been seeing conflicting information on these things, and I can’t figure out what to do. I have never once…

Gym is threatening to send me to collections – I never signed a contract!! This is messy. A couple weeks ago, I went to a fancy gym for a free intro class. They required that I put a credit card on file before the class (in my experience at other nice gyms this is standard). I took the class and left. The sales associate started texting me offers and asking me to join. Via text, I said I was interested in joining. Vi…

Got a collections mail for $500 originating from Italy trip from over a year ago I’ve seen similar posts but I’m at a loss. We rented a car during a trip to Italy September 2023. We returned the vehicle and that was that. Out of nowhere I receive this collections mail from a US based company with a photocopy of an original letter I never received from the Italian rental company saying I entered some forbidden or unauthorized…

Threatened to be sent to collections over a $1.95 charge Hello, I’ve seen similar situations on here with collections stories, but nothing ever this small. I’m a college student who moved out of a student housing complex in July, and paid all my move out charges. Then over two months later I received a notice that additional charges were added to my account for water/sewage services from June? I’ve ca…

$45 in collections from closed insurance policy. Should I even bother? I closed my home+auto policy with a stupid insurer. Long story short they did not provide proof of insurance to escrow. It also turned out they were double billing me on the policy, charging both my creditcard and escrow for the same bills, but applying the leftovers to the next terms bill without telling me. It caused me to spend something like…

AT&T Collections? Never had AT&T I could really use some advice. I’m fairly naive when it comes to credit and such so be warned. I check my credit score regularly using my credit card’s app, and I noticed it dipped recently but thought that was due to a credit check being pulled for something. However upon doing some digging, I found out that I have a $5200 collections from Su…

Credit card in collections on report for 4 years. Will it fall off after 7? Credit card went to collections in 2020. It’s 4 years. Everywhere I read says after 7 years it will fall off the credit report. Also read and hear conflicting advice that if you answer the collection agency’s call or letter it “resets” the clock. Is that true? Debating if I should just hold out another 3 years and let it fall off. Or try to scro…

Medical bill went to collections… advice? Hi all, I went to the ER on April, got an outrageous bill for NOTHING, didn’t have the money so I haven’t paid it, honestly forgot about it. I got a collections letter today and now I’m freaking out. I’m seeing lots of mixed advice on what to do. I’m going to call the hospital tomorrow and ask for an itemized bill and see if I am still able to p…

I requested debt validation from a debt collector. Now the original creditor says they sent it to collections in error? Please advise. Background: A few years ago, around 2021-2022, I fell on hard times at work, and took out a personal loan from Happy Money to help give me a boost and get by. After several months, the hard times continued, and I missed a few payments on the loan. The loan company eventually struck up a deal with me to close the loan as “charged-off,” but I woul…

Any similar products/dupes for Mac Heatherette/Playboy Collections? Aiming for the Myspace Jeffree Star/Audrey Kitching look, any pigmented and bright palettes and other products that scream Scene Queen will do as well. My budget is not sky-rocket high, unfortunately… I’m a drugstore MUA 🙂 Please let me know!!! submitted by /u/lustrousgyaru