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« Back to articles from category "Finances"

The following article was published in our article directory on July 30, 2011.
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What You Should Know Before Settling Credit Card Debt with a Collection Agency?

Article Category: Finances

Author Name: Lee N

There are some debts that are passed on by the original creditor (i.e. credit card companies) to collection agency. A person can identify debts that are with the original creditor and ones that are with a collection agency by the phone calls received. Some creditors can also have a secondary or even tertiary collection agency when the first one gives up on a certain case. Before settling a debt, a person needs to determine where his debt is. If it is with the collection agency, an individual may just waste time contacting and settling credit card debt with the original creditor. They will not make arrangements with a person whose debt is with the collection agency if they already collected the tax for bad debts.

The possibility of getting a lawsuit is there. You should know this even before you use your credit card and fail to pay for your bills. The lawsuit when won by the collection agency may also negatively affect your wage and the chances of getting a comprehensive insurance in the future. Fortunately, the credit card debts fall under the unsecured debts category that can be settled. However, most creditors and collection agencies would not resort to filing a lawsuit immediately giving a person enough time to raise money for settling credit card debt.

A collection agency may also threaten you about bankruptcy and seizure of your properties when you fail to settle your credit card debt. Under the US laws on debts and bankruptcy, you cannot file a bankruptcy unless the creditor opts to go to the lawsuit route. If you have sufficient knowledge on laws on debt and bankruptcy, you will be able to arrive at good decisions when settling credit card debt and will not be threatened by collection agencies. For instance, you can check the maximum time by which a creditor or collection agency may sue you called statute of limitations. If it has already passed, you can just tell the collection agency that you know neither of them nor the original creditor can sue you.

There are many ways to settle credit card debts. You can raise money and pay the collection agencies as well as other creditors monthly on your own. However, you can also opt to ask debt settlement companies for help. Some creditors and collection agencies would not just deal and agree with a debt settlement request. Luckily, the debt settlement companies can strategize a debt settlement plan for you and can even take care of paying the creditors and collection agencies every month.

Lastly, you should know that a negative mark about the unsettled credit card debt on your records might disappear after seven years. However, the period that your debt can stay on your credit report is different from the statute of limitations. You should be aware that it is possible for a debt to disappear on your credit report but the original creditor or collection agency can still sue you depending on the statute of limitations. Thus, settling credit card debt no matter how long it takes is always the best action.

About the Author: Lee is an expert in the area of debt collections. Lee has been through credit card debt settlement and is now debt free, he has written about his entire journey on his blog located at http://credittrap.net

Keywords: Debt Settlement,Credit card debt settlement,Debt settlement companies,settling credit card debt,debt settlement laws,credit card sue

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