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Legal Plan?
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<blockquote data-quote="UPSwife0174" data-source="post: 1434808" data-attributes="member: 54217"><p>I manage a collection agency. Do not waste your money on an attorney. Please DO dispute all the collection items that you think are legitimately incorrect, but be advised that the ridiculous people who are disputing everything on their credit reports in hopes of simply getting the items removed are coming under scrutiny from lenders: They know the game being played right now and seeing a gazillion disputed items paints a huge red flag. </p><p></p><p>A very popular thing right now with medical clients is adding verbiage into the patient financial agreements signed at the time of service that states if you don't pay, a collection fee will be added once sent to an agency. This basically gets the client their collection service for free, because their patients are paying for it. Collection agencies cannot add fees of their own volition, and are liable for suit if they do. </p><p></p><p>IMO, pay what you can, and what is legit. Some agencies can offer a settlement (mine doesn't often, as we do not purchase debt, and therefore need client consent to settle). Dispute items you truly question, pay down credit card balances. Other than that, time is your best ally.</p></blockquote><p></p>
[QUOTE="UPSwife0174, post: 1434808, member: 54217"] I manage a collection agency. Do not waste your money on an attorney. Please DO dispute all the collection items that you think are legitimately incorrect, but be advised that the ridiculous people who are disputing everything on their credit reports in hopes of simply getting the items removed are coming under scrutiny from lenders: They know the game being played right now and seeing a gazillion disputed items paints a huge red flag. A very popular thing right now with medical clients is adding verbiage into the patient financial agreements signed at the time of service that states if you don't pay, a collection fee will be added once sent to an agency. This basically gets the client their collection service for free, because their patients are paying for it. Collection agencies cannot add fees of their own volition, and are liable for suit if they do. IMO, pay what you can, and what is legit. Some agencies can offer a settlement (mine doesn't often, as we do not purchase debt, and therefore need client consent to settle). Dispute items you truly question, pay down credit card balances. Other than that, time is your best ally. [/QUOTE]
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