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"How To Find Out Which Collection Agency You Owe" Discussion

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Professional Q&As for "How To Find Out Which Collection Agency You Owe"

Upsolve Community Member
2021-12-17

Where to find correct addresses of creditors if needed?

4 Reactions

Community Replies:

Upsolve Community Member
They should be on your credit report, or a statement.

Upsolve Community Member
This might help, too! https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/

Upsolve Community Member
As Karen said, your credit report and statements are a great place to start. You can https://upsolve.org/learn/get-your-free-credit-report/. The Upsolve article https://upsolve.org/learn/find-out-which-collection-agency-you-owe/ also has some tips.

Upsolve Community Member
2021-12-16

One of my creditors, advanced financial, closed my account and its with a third party, i havnt recieved any mail from them in months so i dont know my exact amount i owe and locations. Best way to go about this? I tried calling but they don't know either

3 Reactions

Community Replies:

Upsolve Community Member
Hi Daniel, Welcome!Great question. One way to find the amount you still owe on a debt and who owns it is to get a current copy of your credit report. https://upsolve.org/learn/get-your-free-credit-report/ Please let us know if you have any other questions.

Upsolve Community Member
The Upsolve article https://upsolve.org/learn/find-out-which-collection-agency-you-owe/ has some tips on finding collection agencies. FYI: In 2020 there was a $1.2 million dollar settlement with Shiva Finance LLC doing business as Advanced Financial in Virginia because they had customers sign an arbitration agreement but then Advanced Financial (Shiva) went and sued people for collections in district courts. Some people are getting judgments reduced, and others are getting a check. More information is on the Virginia Attorney General website: https://www.oag.state.va.us/media-center/news-releases/1837-september-29-2020-herring-reaches-settlement-with-internet-lender-advance-financial I'm not sure if you're in the Virginia area, but thought I'd pass along that info. There could also be contact info in some court documents.  

Upsolve Community Member
2022-01-19

One debt I have according to Transunion went to collections but I do not have any information on the agency it was handed to?

2 Reactions

Community Replies:

Upsolve Community Member
Hello Anthony, Here is an article to help you out: https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/

Upsolve Community Member
Thank you.

Upsolve Community Member
Let us know what you end up finding and how the process goes! 

Upsolve Community Member
It's really helpful to others here to learn how you were able to uncover information about your debt! 

Upsolve Community Member
Hi Anthony, the article https://upsolve.org/learn/find-out-which-collection-agency-you-owe/ should also have some tips for you. Let us know if you have any more questions and we'll be happy to help! Meanwhile, we'll be curious about the case of the missing collection agency. :) 

Upsolve Community Member
2021-11-23

What happens after a debt gets sold to a collections agency?

2 Reactions

Community Replies:

Upsolve Community Member
Glad you asked! This might be a helpful place to start! https://upsolve.org/learn/find-out-which-collection-agency-you-owe/

Upsolve Community Member
The collections agency would then be the "owner" of the debt and would try to collect it 

Upsolve Community Member
If you're struggling with debts going to collections, you might also be able to learn more here! https://upsolve.org/learn/happens-debt-goes-to-collections/

Upsolve Community Member
2021-12-30

If I have a creditor that charged off a debt and then sold it to a collection agency would I list both the original creditor and the collection agency on my form? The collection agency isn't showing on my credit report yet, but they are trying to sue me.

1 Reactions

Community Replies:

Upsolve Community Member
The bankruptcy court wants you to list all of your debts. Also, creditors listed in your paperwork will have to stop collection activity because of the https://upsolve.org/learn/what-is-automatic-stay-bankruptcy/ which puts a hold on collection activity. Upsolve has an article https://upsolve.org/learn/find-out-which-collection-agency-you-owe/ that might be helpful to you, and it discusses the Fair Debt Collections Practices Act. I highly recommend taking the time to read https://upsolve.org/learn/how-to-deal-with-debt-collector-lawsuit/ so you're prepared if you get served with papers. 

Upsolve Community Member
Rebecca, this is a great question! 

Upsolve Community Member
Basically, Jacqueline's article explains it all- but for the purposes of Upsolve you can list both! This helps ensure that everyone who might need to know about your bankruptcy filing is notified. It helps protect you in the case of any confusion on the part of the creditors 


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