Some time after receiving bank statements, tax forms, pay stubs, firstborn child, etc., the loan officer sent an approval letter to my realtor and I thought we were all ready to go. I made an offer on a place and after a short dance it was accepted. [more inside]
Inspired by the recent unveiling of the new MOMA exhibition archive, I was hoping you could share with us some brilliant examples of institutions showing off their history and heritage in new and interesting ways? [more inside]
So my department of 8 people has decided to give everyone an icon to represent us on our planning board. We can choose the theme. Other teams have chosen things like Star Wars Lego characters or Marvel superheroes. Snow White and the Seven Dwarves has been suggested as a group of 8. But there must be something better!
tl;dr: incurred debt as resident of FL, debt collection agency leaves no voicemail. What are my options when I am planning to change numbers? [more inside]
I have some medical bills that my late husband apparently accrued in the last months of his life. I've been trying to figure out for what and how to get them covered by his insurance for months now and it appears that it's gone to collections. What should I do? [more inside]
So, I screwed up and didn't pay a medical bill basically forever. I ignored statements and phone calls and eventually I got a letter from a law firm saying they'd been authorized to start a lawsuit. I immediately went into the medical system's website and paid all outstanding balances. But it didn't stop there... [more inside]
Im trying to figure out the best way to deal with a private student loan that got charged off. I've been slowly repaying the debt collection agency, planning to repay it in full, but now wondering if that's actually the best strategy as far as my credit score is concerned. [more inside]
I'm working with a charitable organisation right now that is, among other things, collecting clothing and goods for refugees around Europe, whether on the move or in refugee/asylum centres. We have been working on setting up efficient systems for managing collection including volunteer management, sorting and inventory. However our biggest problem is communicating our collection point. [more inside]
Burned by client. Go collection agency or lawsuit? [more inside]
So after taking advantage of some great sales, I am now the proud owner of a bunch of collectible fashion dolls that are lovely and delightful. I'm having a hard time deciding whether or not I want to unbox and display them all since they come with stands, or keep them in their cute boxes just in case. If I were made of money, I'd have two sets and this wouldn't be an issue. As it stands, I'm not. If you're a collector of such things, how did you make this choice?
How do I properly quit business operations in one state after moving to another state. Complication: I have outstanding invoices. [more inside]
I'm on a mission to purge unwanted objects and things from my life. A substantial chunk of these things comprise of print magazines, mostly architecture, design, music and technology related. So what do I do with them? [more inside]
I owed Verizon Wireless $38 and now it’s in collections. I need some help with how to handle this situation. [more inside]
Inspired by a recent FPP, I went to iTunes to buy Charles Mingus' Ah Um. I found the standard 12-track album (9 original, 3 new) for $9.99, a $16.99 50th Anniversary Edition (24 tracks), a $4.99 album (9 original tracks), and also for $4.99, Charles Mingus Complete Recordings: 1957 - 1960, a 9-album, 68-song collection including the 9 original Ah Um tracks. Being
no dummy cheap, I got the latter, and am now wondering if there are any other festivals of musical bargains which may be lurking on the iTunes, and have some other questions about how to tell a good compilation from bad, and the differences in editions and releases of the same albums. [more inside]
So, this is a follow-up to this previous question. Looking for some tips for next steps. Long story short, after moving out of a DC apartment in May our corporate landlord billed us a totally bogus damages. Now they've sent it to collections and it's showing up on the credit report. How do I fight this and get it off my credit report for good? [more inside]
Wife lost her job for a few months and I was trying to swing our mortgage and $500 monthly AMEX payment. Talked to AMEX to try and work out a plan and they said “just pay it when you can”. That was a couple months ago. The account is now closed and I assume they "sold it". If they sold it to a collection agency, can I negotiate with the agency? [more inside]
We are a well known bicycle brand, and one of our local dealers closed up shop over night with no notice to us or even their employees. They have over $20,000 in debt with us. What are our options? Our dealer owes us over $20,000 in debt for stock, with some invoices close to 4 months past due. [more inside]
My father just got a call from a number that he didn't know. They asked for him by name, then they proceeded to ask for the last 4 of his ssn. He said he wasn't going to give them that info and asked who they were and why were they calling. They said that they couldn't tell him until he confirmed his identity. He said no. After making the caller mad they hung up. [more inside]
My favorite part of museums these days are the visible storage units. My favorite part of natural history museums are old-fashioned drawers filled with air-tight cases. I want to know more about the history and practice of storing/preserving art objects, paintings, sculpture, textiles, etc. What books/websites should I be reading to find out more? The more weirdly medium specific and detailed the better. Strange anecdotes very much welcome.
Follow-up from my last question. My 'proof of debt' packet arrived, containing 1) the same bogus justification for (most of) the debt as before, AND a brand new thing: both of my previous payments, toward the undisputed portion of the debt, are now preceded by a charge labeled 'bad debt collection' in the exact amount of those payments, canceling them out. What's my next step?
My doctor's desk person would like me to bring in the $50 I owe them plus the copay at my next visit. They'd already sent it to collections (a day after they received my partial payment according to her, but whatever). Now desk lady says I should bring it in and they will report it paid to the collections. "Or pay them" she added. Who shall I pay? Are there advantages to paying either? I wish he hadn't reported me for that and then turned around and asked me to being it in. I'm working towards a house someday and I am sure this sent to collections dinged my credit report.
My favorite place in the entire world is Philadelphia's exquisite and incomparable Mütter Museum, I've seen Body Worlds more than a dozen times... and you should probably refrain from clicking either of those links if you are squeamish. I will soon be spending a week in NYC followed by a week in Washington, DC. Can you help me make a list of similar museums, exhibits, and collections to visit while I'm there? [more inside]
My brother went and got stage 4 cancer couple years ago without insurance. He’s not worked since and is now on public assistance. To maintain that assistance he will have to liquidate his shuttered small business. His sustaining chemo keeps him pretty sedate and very bored so I’d like to loan him my idle 3-D laser marker to do artsy-fartsy stuff. I’d put the marker in his house that he owns outright... do I have to worry about losing the marker to his bill collectors (health services debt accrued prior to public assistance)? If so, how do I loan him the equipment and protect my ownership? I don’t think his girlfriend is a co-owner of the house but I suspect his 4 year old son somehow is.
In disputing a debt with a collector, how do I address this language from their letter: If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will: obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. [more inside]
What can you tell me about the field(s) of museum/historical society registrars/collections, preservation, and digital preservation? In a few years, I want to go back to work in a new career, and these have recently crossed my radar. [more inside]
What can I use to organize quarter-page-size cards in a binder? [more inside]
A medical bill was sent to collections. I am 25 and have no credit and no money. What do I do? Is it even possible to fix my credit? [more inside]
Once a debt has gone to collections, is there any reason to pay it off? [more inside]
I'm on SSI for disability, with a long-outstanding credit card debt that's gone to collections. They keep offering me settlements, but a settlement would produce a 1099-C, and Social Security would count the cancelled debt amount as unearned income, which they take dollar-for-dollar out of my SSI checks. That's no better than paying the debt in full (which has been impossible for years and will be for years to come). Do I have any options other than continuing to ignore them? [more inside]
Negotiating self pay medical bill. I want to have an idea of how much the surgical practice/surgeon would have been paid if the patient had had insurance. How much will they get if they hire a collection agency? Do they get a percentage or just sell the debit for a fixed price? The patient is being billed 1850.00 self pay for the procedure. The procedure was at a major Boston hospital and the patient is being billed self pay due to a temporary lapse in subsidized insurance. The hospital has already written off the bill. The billing date was sometime around the end of March 2013. The patient has been told by the billing organization that represents the surgeon that they have to deal directly with the surgeon or their practice.
I have some bad consumer debt from a period when I was un- and under- employed. I contacted two different professionals for help in sorting it out, and as far as I can tell, they both gave me terrible advice. [more inside]
Is this an actual collections notice or just an aggressively worded ploy to get me to renew my magazine subscription? [more inside]
Right now I'm poor, I'm in debt, and I don't know the best way to proceed. Please help me make a plan to tackle my debts. [more inside]
I would assume that a company has a legal obligation to notify a consumer of outstanding charges on his or her account in a timely manner – namely, before sending that account to collections. Is this so? Can you direct me to the specific Federal or local (Massachusetts) statutes that establish this obligation? [more inside]
I am freaking out right now because I just got two letters from collections agencies. I should have paid the bills. I know that. I just … didn’t. And I know I’m terrible with money and want to change that, but when I think about money and the giant hole of student debt that I’m in I feel like, what’s the fucking point, and I become overwhelmed with hopelessness and I shut down. [more inside]
I recently found out a medical bill got returned by the post office and went to collections. How do I fix this? [more inside]
What are other modern fiction titles with superlatives? I'm thinking of "Everything is Illuminated" and "Everything Here is the Best Thing Ever". [more inside]
I went to the ER. The doctor claims to not honor my insurance's discount. My insurance claims the doctor is in network and should honor it. I did not pay the difference and it has now gone to collections. The collections agency said I signed an agreement to pay all fees, so I'm on the hook for this amount. (But I obviously disagree.) How should I proceed? [more inside]
Can I negotiate my medical debt? [more inside]
Any chance to settle with a collections agency once I've received a summons to court? [more inside]
Debt Management Plan or Bankruptcy? or Option C? YANAL and YANML [IL filter] [more inside]
I got a collections letter for a Verizon bill that is nearly 10 years old. To pay or not to pay? [more inside]
I've read from several askme questions that when dealing with a debt, it's better to deal with the original creditors as it can avoid having a collection agency on your credit report. I called the original creditor today, and they said that they no long have access to my fle and gave me the number to the Law group that has my debt. Is there any further pressing I can do so that this law group doesn't get the money and I can deal with the creditor directly? [more inside]
Settling with credit card company and dealing with debt collectors. Hey, my husband has not been able to work for a few years and we stopped paying on our credit card bills over a year ago. One of the companies is getting really aggressive (calling me at work, talking to the receptionist, etc.) so I feel that I need to take action. [more inside]
When I finally take the plunge on an eBook reader I want an epic collection of public domain classic and/or important and/or utilitarian books to live on it. I'm looking for a particular sort of resource for this quest. [more inside]
Hospital bill collection blues. Am I in the legal right here? [more inside]
I've been volunteering lately with a bunch of people with financial difficulties, and I'm wondering, if a major bank sort of unsecured creditor chooses not to sue someone because they're uncollectible for a non-permanent reason (like unemployment), how do they find out again that the person is working to sue them? [more inside]
Where to send my wonderful neighbor who really, really needs help? My neighbor is one of the kindest, most amazing people I have ever had the pleasure to know. He just came to ask me for advice about a financial problem that he is now facing. He co-signed for a mortgage loan for his son-in-law a few years ago, and just found out that his son-in-law lost his house. A collection agency just called my neighbor at work and is demanding payment of $90K. Where can I send him for help? [more inside]
Former leasing company just sent a letter threatening to send me to collections. Am I SOL? [more inside]
In Berkeley, CA, a friend's friend accumulated a few thousand dollars in unpaid parking tickets, which were turned over to a collections agency. Any chance that the collections agency will settle for a fraction of the amount due?