I had just got a message from a collection agency asking me to call back. I have never received anything in the mail or any other calls saying that I owe money. So I did a credit report and it says my accounts are in good standing. But at the end of the credit report it a section under Collections it says ?A collection is an account that has been turned over to a collection agency by one of your creditors because you have not paid the account as agreed.? Its From Oxford Collection Agency and it says I owe money to ATT Wireless. No other place in my credit report does it say anything about this account. I?ve never had ATT before. And I?ve never had any bills from ATT. It also say?s I?ve been Delinquent since January 2004. I just don?t know how they can put this on my credit report when first of all, I?ve never sign up with anything ATT, and second I?ve never received anything from ATT Wireless or anyone else saying I?m delinquent in my bills. What can I do about this?
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Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
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The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.