Only M | Rosedale Collections (2024)

FAQs

What to do if you are wrongfully sent to collections? ›

Handling an Erroneous Collection

Send them a letter within 30 days of the first contact, requesting documentation of the account, and tell them not to get in touch again until they can prove you owe them money.

Tips for answering job application questions

Use the STAR technique (AKA “show don't tell”) to answer where possible. Provide concrete examples, not just statements. Write original answers – don't copy and paste from resumes or cover letters. Avoid plain “yes” or “no” answers.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase “please cease and desist all calls and contact with me immediately” to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

Don't provide personal or sensitive financial information

Never give out or confirm personal or sensitive financial information – such as your bank account, credit card, or full Social Security number – unless you know the company or person you are talking with is a real debt collector.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

If there are negative items on your credit report but the information is accurately reported, you can write a goodwill letter to ask the creditor or collection agency to remove the collections account from your report. This isn't guaranteed to work, but it won't hurt to ask.

Sample Answer

“My greatest strength is my ability to excel in highly pressurized situations. I have found creative ways to keep calm when working under pressure, for example, organizing my work more efficiently and getting the MOST important work done during the times I am MOST productive.

Be honest and choose a real weakness. Provide an example of how you've worked to improve upon your weakness or learn a new skill to combat the issue. Demonstrate self-awareness and an ability to look to others to provide you with the resources necessary for growth. Don't be arrogant and don't underestimate yourself.

If you're not sure that the debt is yours, write the debt collector and dispute the debt or ask for more information. If the debt is yours, don't worry. Decide on the total amount you are willing to pay to settle the entire debt and negotiate with the debt collector for the rest to be forgiven.

Start Negotiating

Make it clear to them that you intend to do your best to pay the debt but cannot meet the total amount or current repayment terms. Offering the debt collector a lump sum in exchange for full settlement of the debt might be the most effective option if you can afford it.

What happens when medical debt goes to collections? ›

If you can't pay your medical bills, the medical provider can sell your debt to a collection agency to recover the unpaid amount. This can affect your credit score negatively, which can damage your ability to secure loans.

“As for the negotiations, be persistent and persuasive,” Schwab says. “Write down your arguments beforehand and make them sympathetic to your case.” Share any truthful reasons you may be having a hard time and show that you want to pay as much debt as you can.