Like so many debt collectors, Assetcare LLC is not popular. Being unable to pay the debt is not normally a legal defense to the debt. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. If Professional Finance Company is representing a debt collector who is suing you for a debt, follow these three steps to respond to the lawsuit. com DisputeVerify the caller's debt collector license by searching the National Multistate Licensing System (NMLS) Consumer Access site. Basically, this means a creditor or debt collection agent or agency is provided three years in which to file a debt collection lawsuit against a consumer. If you do end up going to court there are a few ways to handle the situation. Box 321472 Flowood, MS 39232 Local: 601. File a complaint with the CFPB, FTC, and your state's attorney general to report a debt collector's FDCPA violations. This activates Miraschon's Debt Collector, Marilyn Manson, which steals Ermes money in order to pay off the debt. To help you verify this information, you can find out more. Contacting you more than once per day. Sarah Edwards | November 09, 2023. As of May 2018, the BBB has given Accounts Receivable Consultants a rating of F. ABOUT US. Absolute Resolutions Corporation. Stop calls from debt collectors. Learn how to respond to them and either stop their calls or win your case in court with SoloSuit, a legal tool that helps you draft your Answer and file it in 3 steps. • Calling you multiple times per. m. Respond to each complaint in separate paragraphs. We recognized an opportunity to build a system to fundamentally change debt collection, so we created TrueAccord to turn collections into a recovery and reconciliation process. If you’ve been sued for a debt in Kansas, respond to the case with SoloSuit’s Debt Answer form and increase your chances of winning by 7x. Yes. NMLS ID 1553960. Full Service Collection Agency. Ross, Stuart & Dawson Inc. Accounts Receivable Service Corp is a third-party debt collector located in Holmes, Pennsylvania. It can help you with follow-up letters and statements, soft calls, credit. The state in which you live, as well as the type of debt you owe, determines how many years can pass before your debt is no longer eligible for a lawsuit. Should you wish to contact the company, here’s H&R Accounts contact information: Address: 5320 22nd Ave, Moline, IL 61265. If you have a lawyer, the collector must communicate with your lawyer. The estimated salary for a debt collector is $15. To verify a debt collector, ask them to provide: Their name. 4. Pay off the debt. “Man, I can't wait for this collector to sue me!” — said no one ever. 800-290-7002. George Simons | October 28, 2023. If a. , a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. If Professional Finance Company is representing a debt collector who is suing you for a debt, follow these three steps to respond to the lawsuit. Map. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. Founded in 2009 by Steve Singer, ESC is a database provider of debtor employment and bank information to the consumer debt collection industry. C. Jeanne D'Arc salary trends based on salaries posted anonymously by Jeanne D'Arc employees. Instead, they’ll tell you to pay the IRS electronically, or send a check, made out to the US Treasury, directly to the IRS. Stat. Grange Avenue, Hales Corners, WI 53130. CreditFresh debt collectors have often violated the law,. m. Phantom debt collectors impersonate law firms. In doing so, the Customer Service aspect is our top priority along with the retention of your customer for the future. The reasons for court action by debt collection agencies are quite simple – they think that you owe them money and you haven’t paid it. Dispute the account. Email: [email protected] your income and expenses to work out how much, if anything, is left over. ESC has an outstanding list of clients consisting of collection. As. National Consumer Law Center. Stop calls from debt collectors. We're here to help. Kent House. The Fair Debt Collections Practices Act passed in 2021 forbids debt collectors from harassing, oppressive or abusive actions. Consumers have rights thanks to the federal Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from tactics that include: Calling you more than once per day. These laws can help offer protection from predatory collectors. 024 billions and employ a number of employees estimated at 2,754. Americollect works with healthcare providers to improve their medical collections, both with early out services and bad debt collection services. A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the. 4. Stop calls from debt collectors. Communicating with the debtor when the debtor has acknowledged they have a lawyer. Gen. Fortunately, ARC Debt Collection provides effective solutions to simplify and expedite the debt recovery process. Under Australian law, a debt collector must not: use physical force. 3. S. In state office: Colorado Manager Inc. Below is the 11 Charter Communications phone number, address, and other contact info: Phone number: 888-437-2427. Alorica Inc. ARSC is a full-service debt buyer/collection agency that works with consumers to reach an accommodating resolution. Jolyne makes a bet with Marilyn Manson to. 1-800-390-7584; 800-289-8004; 800-955-6600. Effective strategies for how to get back on track after a debt lawsuit. It lists its mailing address as P. When it comes to being served with a debt collection lawsuit, there are measures in place that need to be upheld. For example, if you refuse. They will also notify the credit bureaus of the collection account. Answer each claim listed in the Complaint. This document is your best defense against debt. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. When you receive the call, answer it and ask the caller to stop calling you. When you receive the call, answer it. Each of these messages must include instructions for a consumer to opt out of receiving those. Sometimes, it is important to restate the obvious: Job No. The creditor will probably transfer or sell the debt to a debt collector or debt buyer three to six months after you default. Debt Collection Services. ARSC is a debt collection agency that may call you multiple times to ask about a debt you owe. Our nationally licensed collection agency was founded by a U. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. A debt collector trying to locate you cannot tell your supervisor or commander that you owe a debt. Debt collectors are classified into three. To make a payment anytime, try our Automated Payment System: (844) PAY-ARS2 / (844) 729-2772. Address: 1825 Barrett Lakes Blvd Suite 505 Kennesaw, GA 30144 USA . Kassandra sought to collect Markos' debt to her from the merchant Duris. below national average. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt. It could be anyone, including Joe Dirt. We specialize in consumer collections and the recovery of uncollected debts. Advanced Recovery Systems Collections (ARS Collections), also known as ARS National Services, Inc. To make an online payment, you will need a copy of the original letter sent to you from ARS Account Resolution Services. For the more than 68 million U. The first step to beating CCS Collections in court is to respond to the lawsuit. Clients call: 1-866-781-4538. Lastly, you need to make three copies of the answer document. Mail one copy to the address where the summons and complaint came from, send another copy to the debt collector's attorney, and then keep the final copy with you for future references. Visit Website. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. take unfair advantage of any vulnerability, disability or similar affecting a debtor. Here are Harris and Harris' contact details: To pay a debt call: 1-800-362-0097. They have been accused of violating consumers’ rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Whether they’re. C1311-1005(4) NMLS ID #: 1490522. Caller ID : 888-675-9760. A debt collector is a person, agency or company responsible for collecting money owed, usually on a past-due account. Also, you don’t owe the collector $1000, because they only paid $100 for your debt. Following these three steps has proven to help consumers like you beat debt collectors like CCS Offices. If you do owe money, see if Sunrise Credit Services will agree — ideally in writing — to get the the collection removed from your credit report in return for payment of the debt. The first step to winning a debt lawsuit is to respond in court. However, you are still welcome to call us at 1-888-766-4028. CreditFresh is a fully integrated technology and service solution provider that works with financial institutions to provide credit to consumers. Wage garnishment is not one of the easiest things to come to terms with, especially if you are in a bad financial situation. Fees can be expensive, though. A debt collector calls you before 8:00 a. Mailing Address. NMLS ID 1553960. Clients call: 1-866-781-4538. com or by mail at 5651 Broadmoor Street, Mission, KS 66202. One of the most prominent debt collectors in the United States is ARSC, also known as Asset Recovery Solutions Corps. So, complaints become a fairly regular occurrence for some in the business of collecting debt. Hours: 8AM - 5PM CT Monday thru Friday. Under some state fair debt collection acts, you can get more than $1,000 in statutory damages. If you have avoided being served court papers and don't file an Answer by the deadline, it's bad news. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. In general, a creditor, with a few exceptions, needs to have obtained a court order after a successful debt collection lawsuit to effect a wage. If you are a victim of debt harassment, you can make the calls stop and receive up to $1,000 from [tag-title]. What does ARSC abbreviation stand for? List of 54 best ARSC meaning forms based on popularity. Company. Compliance Manager Certificate Number CM12252. If you've been contacted by a NJ debt collector, SoloSuit can help you respond. Edited by Hannah Locklear. may call you to: Collect payment. They may find other ways to contact you, including filing a lawsuit. 1. Creditors and debt collectors have a limited number of years to sue you for outstanding debts. ARC and our Servicers understand this is a difficult time and are committed to working with you. How to Beat Unifin. Follow these step when dealing with a debt collector: 1. In addition, there are state laws that provide protections against unfair and deceptive. The estimated total pay for a Debt Collector at ARC Management Group is $46,109 per year. See full list on lemberglaw. Debt collectors were already restricted to only seven calls within seven days, but the new rule clarifies that calls, which go straight to voicemail, are counted as contact by phone. ARS is a national accounts receivable management service that recovers Commercial and HealthCare receivables since 1996. It is a business-to-business (B2B) company within the financial services industry and primarily specializes in healthcare debt recovery. Address: 2173 Macdade Blvd. You must respond to the debt collector and create a plan for paying off the debt. Rules of Civil Procedure § 802. – This commercial collection agency provides services to businesses throughout the U. Phone Number. National Management Recovery Corporation works with consumers to find a resolution to outstanding accounts. The phone numbers for ARC Management Group, LLC are: 1-678-486-5200. C. Each state has a statute of limitations on medical debt, which sets a time limit for collectors to take someone to court over unpaid medical bills legally. Let's take a look at an example. The debt collector sues Scott for the amount owed plus court costs and attorney fees, which equals about $500. How To Know If A Debt Collector Is A Scam | Bankrate. Superlative RM is an accounts receivable management business that works to assist creditors with recovering past due balances from consumers. Average salaries for Jeanne D'Arc Debt Collector: $45,173. Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. Your credit score will drop and already may have done so if the unpaid amount is for a credit card or a loan. Debt Collection Agency Directory +1. Call you more than seven times in a seven-day period. If you've been contacted by a NJ debt collector, SoloSuit can help you respond. Check with your state's attorney general's office if your state mandates that debt collectors be licensed. The company must make a reasonable effort to give you an affordable payment scheme for you to follow. Debt Collector (real name unknown) was a yakuza leader, who took young Denji after his father's death and forced him into paying off his debt. Click above for information on contacting our office. Respond to a debt lawsuit against Aldous and Associates. One of the most important debt collection laws in Mississippi, and elsewhere across the country, is the Fair Debt Collection Practices Act (FDCPA). Everyone has rights when dealing with debt collectors. Debt collectors were already restricted to only seven calls within seven days, but the new rule clarifies that calls, which go straight to voicemail, are counted as contact by phone. The estimated total pay for a Debt Collector at ARC Management Group is $46,109 per year. Jolyne makes a bet with Marilyn Manson to. Obtain a copy of your credit report from each of the three major bureaus - Equifax, Experian, and TransUnion. Get information on the debt. * For MI residents- In some situations, there may be a fee depending on which benefit you are entitled to. Here are 3 tips you should following in making your Answer: File the Answer with the court, and send a copy to the plaintiff. PO Box 9002 Oak Brook, IL 60522. If you’ve been sued by Unifin, SoloSuit can help ask them to validate the debt and respond to the lawsuit, increasing your chances of winning in court by 7x. A free inside look at company reviews and salaries posted anonymously by employees. Best regards, LTD Financial Services, L. Apply to Accounts Receivable Clerk, Debt Collector, Collection Agent and more!Respond to each claim listed in the Complaint. Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices . KT12 2TU. Tons of great salary information on Indeed. 2. A basic validation letter can clear things up and result in the ARS canceling the debt and removing it from your credit report. Responding doesn’t mean you’re agreeing that you owe the debt or that it is valid. With our multi-layered locate and contact research, plus your invoice reports, we can easily validate each account and begin securing resolution. SRS is a debt collection company, and according to its website, it’s a “nationally recognized leader” in the industry. 1-800-390-7584; 800-289-8004; 800-955-6600. 401(k) View more benefits. Now, let's break down each of these steps a little further. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Stat. This fee is a one-time payment and does not affect the amount of your ongoing payments. com Please use the form fields below to contact us. The law sets certain limits on how much debt collectors can garnish your wages and bank accounts. Make sure to send the dispute letter within 30 days. Caller ID : 888-675-9760. What is Absolute Resolutions Corporation – ARC? Absolute Resolutions Corporation (ARC) is a third-party collection agency based in California. The federal Fair Credit Reporting Act (FCRA) covers how debts are reported in credit reports. NMLS ID 1553960. m. According to survey of consumer views on debt conducted by the Consumer Financial Protection Bureau in 2015. net. If you pay $1000 to the debt collector, that doesn’t restore the creditor. Skip to content. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will always be enforceable. Arc Services Collection Agency provides a Small Claims Administration service for our clients. They can also schedule payments online. com DisputeHere is a look at how to contact ARC debt collection. MCA Management Company is a debt collection agency. Home » Is ARC MANAGEMENT GROUP LLC a scam? Answer: NO. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Typically, they can only speak to your supervisor or commander. 5. The search result may contain results from. It has been accredited by the Better Business Bureau since 11/16/2015 and has an A+ rating. They’re among the many debt collectors that operate throughout the UK. 2. or after 9 p. There are three steps a debt collection agency or a department follows when reaching out to you. -1 salaries reported. Tell the collectors not to contact you. experiences with debt collection, particularly in areas that may be affected by the CFPB’s final debt collection rules that took effect on November 30, 2021. If you’ve got money worries and would like some free expert money advice then you should get in touch with our partners PayPlan, who have helped over 600,000 people to manage their finances and get back on track. 901 East Eighth Avenue, Suite 206 King of Prussia, PA 19406 MAILING ADDRESS Advanced Recovery Systems PO Box 80766 Valley Forge, PA 19484 EMAIL NEW CLIENT DEVELOPMENT President Ronald. £17,734 per year. You also can locate a collection agency with just the phone number from your caller ID or voicemail by typing the number into a search engine. Gen. Summary: The statute of limitations on medical debt is different in every state, but it's usually around six years. 1-800-390-7584; 800-289-8004; 800-955-6600. A debt collector is a person or company that collects payments on past-due accounts. 25 per hour for Technician to $27. However poor collection practices and outdated methods put both your reputation and your business at risk. Hours: 8AM - 5PM CT Monday thru Friday. Debt collection laws in all 50 states. Learn more about the new debt collection rule. Don’t let debt collectors intimidate you. The collector. Sometimes several times. Easy: Negates the need to spend hours determining which letters to write or how to write them. Answer each allegation listed in the Complaint document. Statute of Limitations on Debt Collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from aggressive collection practices that include: Calling you before 8 a. Responding to a court Summons is more intensive than writing back to the plaintiff acknowledging that you received the papers. They hide their numbers for two reasons: Intimidation. tries to attack it but the Stand is invincible. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. How to Answer a Summons for a Debt Collection Lawsuit (In 3 Steps) Watch on. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you. One such measure is the proper service of court documents to the opposing party. Consumers call: 866-510-9754 Clients call: 770-799-2696 Fax: 770-417-1884 Email: info@arccollects. Here. 3. " The time allowed varies significantly from state to state, and for different kinds of debts. Contact. Their specialties include consumer and commercial collections, first and third-party recovery, debt buying, medical collections, among many others. Marine Corps veteran and holds itself to a higher standard. These interactions are usually hostile and feature unethical, improper pressure tactics to try and persuade you to pay the amount owed. You might want to tell the debt collector who the executor is. Summary: When debt collectors contact you about a debt you owe, they must provide specific information about the debt within 5 days of their initial contact. A debt collector cannot contact you at your place of employment. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. Let's take a look at an example. Phone for Clients: 770-799-2696. Debt Collector: A company or agency that is in the business of recovering money that is owed on delinquent accounts . Real estate. You’ve told the debt collection agency that you can’t receive calls at work, but they call anyway; The debt collection agency is threatening to sue you; A debt collector has disclosed information about your debt to family members, coworkers, or friendsStop calls from debt collectors. NV License Number FCA10669. Contact Advanced Recovery Systems. Stop calls from debt collectors. If you ask a debt collector to stop all contact – regardless of the communications channel – the collector must. These rights and protections are codified under Minnesota law and federal law. Dealing with an overly aggressive debt collector can. If you’ve recently gotten a call from (785) 271-1000, Berlin-Wheeler is probably trying to reach you about a debt. We’ve teamed up with PayPlan to provide solutions for people who have multiple debts. It is quite common for debt collectors to make. Northstar Capital Acquisition is a debt collector that commonly purchases debts from creditors. If the debt collector. The estimated base pay is $35,809 per year. Intimidate you into paying. He wears a hat, suit and glasses. 50 per hour for Community Assistant to $27. 1 in 3 Americans have had experience with debt collection. This is an attempt to collect a debt. Its headquarters are at 16200 Addison Road, Suite 260, Addison, TX 75001, and its phone number is 866-551-2888. There are only a few circumstances. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. What is Absolute Resolutions Corporation – ARC? Absolute Resolutions Corporation (ARC) is a third-party collection agency based in California. Rev. Having a debt in collections is more common than you may realize. One such measure is the proper service of court documents to the opposing party. is a third-pay debt collection law firm and agency. Debt Collector was a virtual representation of one of Kassandra's genetic memories, relived by Layla Hassan in 2020 through the Portable Animus HR-8. C1311-1005. 1-800-390-7584; 800-289-8004; 800-955-6600. Jackson Blvd, Suite 400 Chicago, IL 60604. Here are some steps you can take to remove ARS Collections from your credit report: Get a copy of your credit report. When a debt collector first contacts you about a debt, they are, in general, legally required to provide you with certain information about the debt during that initial communication or within five days of the initial communication. FDCPA Violations; FAIR CREDIT REPORTING ACT VIOLATIONS; STOP JUNK FAXES; Deceased Debt Collection; Debt Collection Harassment. NV License Number FCA10669. You may contact Superlative RM by phone at 888-441-4544 or by email at customercare@superlativerm. Being subjected to countless phone calls, threatening letters, and other forms of intimidation by an unscrupulous debt collector is a nerve wracking and generally unpleasant experience for most people, including residents of Kansas. RMP provides 200 US hospitals and 30,000 physicians with healthcare-focused revenue cycle management (RCM) services. 16. ARS is confident that our cost-effective, no collections-no fee solution is just right for your business. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Address: 400 Atlantic St Fl 10, Stamford, CT 06901-3512. P1807-1288, Year Certified: 2018. m. Failing or declining to identify themselves as a debt collector. Stop calls from debt collectors. You have 30 days to dispute a debt by sending a Debt Validation Letter. The statute of limitations for a creditor to lawfully collect a debt. m. Debt collectors may still collect even if they can’t contact you. Besides, the creditor already got their remedy for the debt in the $100 from the collector. m. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won’t. Hope you will get the right information about We Collect With Respect - Accounts, Receivables, Collections. Evansville, IN 47708-1013. With consumer debt on the rise, getting ahead of the issue is important and choosing to work with the right agency is essential. Buzzfile estimates ARC’s annual revenue at $5 million and the size of its staff at 38 people. W. Stop calls from debt collectors. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. In Sherri’s case, the debt is legitimate, so she sets up a payment plan with the Northland Group to address the debt and stop the unwanted calls. If one of them appears on your caller ID, it means that ARC Management Group, LLC is on the line. They were extremely rude and would only divulge two things: the amount of debt, and who the debt is to. If you’re tired of hearing from 800-955-6600, try sending Northland Group a written letter asking it to stop calling you. If you are a victim of debt harassment, you can make the calls stop and receive up to $1,000 from [tag-title]. While being contacted by a debt collector might feel overwhelming, talking with them can help you get more information about the debt. If you have been contacted by ARC collections, you need to know your rights under the Fair Debt Collection Practices Act. WE COLLECT WITH RESPECT. 1-800-390-7584; 800-289-8004; 800-955-6600. 1-800-390-7584; 800-289-8004; 800-955-6600. As you fall behind on the payments, the debt is typically reported to the credit reporting bureaus as 30 days late, 60 days late, 90 days late, etc. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. Debt collection laws in all 50 states. In person. We're experts in this field, helping thousands of consumers each month. Sometimes, it is important to restate the obvious: Job No. net. Utilizing our 3-tier collection strategy to increase resolution urgency, ARC is focused on maintaining your customer relationships. But one will work, and the other will get a dropped connection. He was also the beloved grandfather of Katana Man. Americor is a California-based debt relief company that started and was incorporated on 3/18/2008. The most important regulations for debtors are contained in Title 5 Chapter 392 subchapter D, which bears the title Prohibited Debt Collection Methods. Dispute the account. 1. Edited by Hannah Locklear. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Phone for Consumers:. has received. You should respond by filing a written Answer into the case. Sample Cease and Desist Letter Against. Annoying phone calls and threatening letters can take their toll on even the most unflappable people, resulting in unnecessary stress and anxiety. F. If you owe the debt, you may be able to work out a settlement or other resolution with the collector. A bill collector's job is to try and help the person pay what they owe, which should help improve the debtor's credit score, and also help the business owner. This salary trends is based on salaries posted anonymously by Jeanne D'Arc employees. The company has six additional offices in Des Plaines, IL; Waco, Texas; Indianapolis, IN; Zealand, MI; Reading, PA; and Lansing, MI. Debt collectors can only contact you between the hours of 8:00 am and 9:00 pm. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. 1-800-390-7584; 800-289-8004; 800-955-6600. Here's a video with more info on Debt Validation Letters. I called back after some research and asked if they own the debt or if they are assigned the debt. Toll Free: (800) 558-4027. Use SoloSuit to draft and file your Answer in just 15 minutes. Defenses to Collection of Rental Debt. We have the privilege to service many of our nation’s most recognized banks, financial institutions, retailers, universities and debt purchasers. T: (888) 675-9760. Failing to identify themselves as a debt collector. 3 steps for dealing with a debt collector.