![]() Please appreciate that there may be other options available to you than the products, providers or services covered by our service. compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. We may also receive compensation if you click on certain links posted on our site. We may receive compensation from our partners for placement of their products or services. While we are independent, the offers that appear on this site are from companies from which receives compensation. Read our guide on how to know if the debt collector is a scam or our guide in debt collection laws by state.į is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Don’t give any money until you’re certain your debt is being paid and you’re not being scammed. Be sure to ask which creditor sent them your debt. Ask them their name and the company they represent and check a directory to confirm. ![]() If you get a phone call from someone saying they’re a debt collector, be sure to ask them questions. How do I know if a debt collector is legit? To find out which company has your debt you can check your credit report or contact your creditors. How do I find out which creditor has my debt? A debt collector is a third party, hired by a creditor to collect debt. No, a creditor is someone who lends you money - like a bank or a credit card company. If you're unsure what to do if an agency contacts you, read about how to deal with debt collectors, or if you find your debts too overwhelming to handle on your own, consider debt relief options. All debt collection agencies must comply with the Fair Debt Collection Practices Act (FDCPA). Remember that you have rights when it comes to paying your debts. Collection agencies are often willing to accept a lower payment on your debt to close the account. In at least thousands of cases, Phoenix continued to attempt to collect on a debt that was not substantiated after a. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. The Consumer Financial Protection Bureau (CFPB) recently took action against medical debt collector Phoenix Financial Services (Phoenix) for numerous debt collection and credit reporting violations. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask. ![]() Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.Ĭonsider alternatives before signing up with a debt relief company: In order to properly process your transaction it is necessary that you complete all the information requested. Attention You are about to pay on your account to Phoenix Financial Services LLC. This communication is from a debt collector. The following loan and grant programs are included: Federal Family Education Loans (FFEL), which include Federal Stafford, Federal Consolidation, and. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Any information obtained will be used for that purpose.
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