Freedom From Debt » Insurance http://www.freedomfromdebt.info Debt Help | Debt Advice | Debt Relief | Debt Management | Debt Cures Sun, 22 Nov 2009 19:37:44 +0000 http://wordpress.org/?v=2.9.1 en hourly 1 What if the collection agency is not able to collect the money from the charged individual? http://www.freedomfromdebt.info/what-if-the-collection-agency-is-not-able-to-collect-the-money-from-the-charged-individual http://www.freedomfromdebt.info/what-if-the-collection-agency-is-not-able-to-collect-the-money-from-the-charged-individual#comments Sun, 26 Jul 2009 20:50:06 +0000 admin http://www.freedomfromdebt.info/what-if-the-collection-agency-is-not-able-to-collect-the-money-from-the-charged-individual

a n asked:


A friend of mine is being receiving bills from a collection agency for the past hospital visits because of his deactivated health insurance. Information on the circumstances which might arise is expected.

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]]> http://www.freedomfromdebt.info/what-if-the-collection-agency-is-not-able-to-collect-the-money-from-the-charged-individual/feed 6 How to save AND pay off debts with low income job? http://www.freedomfromdebt.info/how-to-save-and-pay-off-debts-with-low-income-job http://www.freedomfromdebt.info/how-to-save-and-pay-off-debts-with-low-income-job#comments Tue, 23 Jun 2009 18:33:22 +0000 admin http://www.freedomfromdebt.info/how-to-save-and-pay-off-debts-with-low-income-job
heather k asked:


I love my job but I don’t make a lot at all.

I have a credit card that is maxed out due to not having a job for a month [it was stupid to use, but I had to live some how] its at a little over 1200

I have a cell phone [so I have a cell phone bill], no house phone, so I cant cut that off, but I do use it a lot. that bill is about 100 a month.

As well as my rent which goes from about 500-550 depending on utilities. And then there is food, but thats not that big of a deal, I dont eat out hardly ever and during the day I eat at work and the food is free. And then I spend about 20-40 on gas depending on the prices ever 1.5-2 weeks

Heres the thing pretty soon I have to take over payments on the car I have. I NEED to get OUT of debt and be on top of things. Because in about 6 months I am planning on moving to Upstate NY.

What are some good tips on saving money and paying of my card, but still having money for living expenses?
Thank you for the answers so far;

I actually dont have cable tv and am using someone else’s wireless internet so thats good.

Oh, I also have a cash box that I put all my change into [I dont want to use that on debt though, its kind of a hope chest for my big move]

Do you think opening another bank account for debt/bill money would be a good Idea? I dont really have an issue with careless spending, its more or less just the fact that I am making JUST enough.

I’ll be using your tips and I hope to get some more!
Also I’m not sure what my payments will be, right now the car is under my moms name and insurance in another state… and the payments will change once I get them in my name. but I think I am looking at 300 a month for the insurance and note.
Another addition; golly gee, haha..

The phone bill WONT be that high for very long. Its just like that right now [as in the next two months or so]

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]]> http://www.freedomfromdebt.info/how-to-save-and-pay-off-debts-with-low-income-job/feed 6 Can the creditor or collection agency remove a collection account from my credit report? How to convince? http://www.freedomfromdebt.info/can-the-creditor-or-collection-agency-remove-a-collection-account-from-my-credit-report-how-to-convince http://www.freedomfromdebt.info/can-the-creditor-or-collection-agency-remove-a-collection-account-from-my-credit-report-how-to-convince#comments Mon, 20 Apr 2009 11:55:28 +0000 admin http://www.freedomfromdebt.info/can-the-creditor-or-collection-agency-remove-a-collection-account-from-my-credit-report-how-to-convince djz2k asked:


I graduated and began a new job. I went to India for 6 months. While i was away, I recieved a hospital bill. When I returned, I discovered it had been sent to collections. I called the hospital and paid the bill. I moved across the country (east to west coast). I called the collection agency verify that it had been marked as paid. I now have one collection account on my credit report marked as paid. I have been turned down for certain benefits because of this recent collection account being on my credit report. I tried filing a dispute online w/ equifax (the CRA reporting the collection account). Because of my recent changes in address, the online/phone methods fail to verify me, so i cannot order my credit report. Now I am supposed to mail in several pieces of POA to validate my new address. Before i do this, is it possible for the creditor or the collection agency to remove the account from my record? If so, i’d like to try it b/c at least i can talk to someone.
I am only 22 years old w/ little but good credit history. I have one credit card (revolving credit since 2005) that i use frequently and pay off. I have almost no debt. Would the creditor/collection agency consider any combination of the following:

- It was a medical bill for $108- i thought my insurance (from university or my company) would have covered it.

- the hospital visit was Employment related and reimbursable by my company. Had I been given the bill right away, I would’ve paid it.

- I was overseas and never recieved the bill (old address)

- I mailed payment and it was lost in International mail

- I’m just a kid!! I made a mistake. please give me a break!

What’s my best option? If I have to call Equifax, what’s the best number to call (preferrably to speak w/ a human)?

I know i’ve posted a similar question and this one is very long. Thanks for reading and helping out a young guy trying to get his life in order!

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