Do collection accounts age off your credit report after 7 years?

The loan defaulted and after 2 months they sent me to National Credit Adjusters. Beyond upset with you guys. Could not give me any information about where the money went other than the name of a credit union which by the ways doesn't have a working number for me to inquire about the whole situation. Paid medical debt does not hurt your credit much, or at all these days. I would file a credit reporting complaint against the debt collector with the CFPB review the link in its entirety to better understand why. Your comment is awaiting moderation. Currently my credit score is

Original lenders and creditors show payment default on your credit reports for 7.5 years.

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26 National Credit Adjusters Consumer Reviews and Complaints

Collection agencies and debt buyers showing up on your credit report.

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I started getting pretty irritated. It wasn't the payment I was mad about, it was the fact that I specifically asked if I had another payment due and I was told NO and they still took out the money the next month. The supervisor also made a comment, because it is my husband's debt I was paying, that it wasn't his fault that I didn't talk to my husband about this and if I didn't communicate with him not his problem.

That just fueled the fire with me. I am the one who called and made the first payment. I wanted to share my experience with this company and I was not able to take the call as I was at work. She then told me that I could be arrested, go to jail, have my wages garnished, bank account attached, property seized etc. When I asked for a copy of the paperwork, she asked for my email address, said that she would send me a copy of the paperwork and we went about with the conversation.

She did offer me a deal which I thought was fair and I asked again for a copy of the paperwork. She said she would send it at the end of the phone call. So when we hung up, I checked my email and there was no paperwork. Nothing to verify what she was talking about. Four days later, I received a phone call from another collection company, National Portfolio Services, who wanted to talk to me about this phone call with this company.

The person I spoke with said his name was Adam and he seemed very nice and understanding. In the course of this conversation, he told me that the previous agency was a fraud -- They could not offer me a deal like the previous one but they could offer me another deal, which after I did the math, was going to cost me more than the first deal. Needless to say, I have not paid anything to anyone until I get to the bottom of who is telling me the truth, and I am also seeking legal counsel regarding this matter as well.

NCA has not stopped calling and now they are calling my employer and leaving threatening messages as well. Moral of the story: I should have not, even though I was in financial need, taken out a payday loan. I thought it sounded good at the time, but when I learned from the application that the rates were so I was trying to cancel all the information that was entered and I Was unable to do so. I just don't want them to ask for payment from my bank account.

Well I paid some and fell back again due to family emergencies. I'm now recently retired and they still calling my work and me. Today they took another 50 from my account. After being told they were part of another company doing their collections, we paid National Credit adjusters the lion's share of the bill for this company. We called the company we owed and tried to incorporate the small balance into another loan only to be told that NONE of what we had paid had been credited to our account.

The account had been purchased by NCA the year before and the account with them had been "written off. We were shocked as we had been told we were paying the original lender's collection department. A few weeks later, we got a phone call from NCA wanting the balance. They offered to give us a "letter of payment in full" which means nothing as they are not on our credit report.

When we questioned them, the lady got really nasty, refused to answer and hung up on me. I am reporting them to the consumer protection agency and the US government for fraud. If we get our money back it is going to the original lender. I was recently sent a letter from NCA stating payment was due by March I was to call and make arrangements for this old debt that showed on my credit report.

I have no idea who I owed this debt to and needed to do research on debt. Letter was dated March 18th To my surprise, March 29 that exact amount was taken from my checking account. I did not contact them and authorize this withdrawal. I am filing a complaint with the FTC, the state attorney general and the consumer financial protection bureau. No emails from this company.

I finally decided to answer the phone this time and find out who has been calling me for the last 3 years from this number. The so called "Customer Service Reps" claimed that they sent me correspondence in the mail for the last couple of years and I have not received one piece of mail with their company name or address on it. I argued with them for half an hour about this stating that I never received any mail and I wasn't going to pay the 1, dollars because I had no idea who these people were.

I asked to speak to a supervisor and she wasn't any better. Very disrespectful and trying to put the blame on me for not responding to the correspondence that her company supposedly sent me in the mail. Because had I received their letters I would have sent a payment.

I had some hard times but got back on my feet. I would even pay it to NCA if they weren't so rude. What can NCA do if I don't pay it to them?

How can I stop them from calling my work and family members? This company seems unprofessional to me. I ask for documentation that they bought the loan, and they don't even have my email address. If they bought my account, seems like they should have it. What should I do? They call me frequently from various local fake numbers. I finally got annoyed enough to call the number left on my vm back and explained that I do not know whom they are looking for but since it is a male, it obviously is not me.

Is this even legal? I do not even know who they are, who they called for, or how they got my cell number. I know who I owe and it's not someone from Colorado.

The number on my caller ID is The number they left me to call is I have sent cease and desist letters to the so called payday loan companies they represent. One of the conditions in the letter indicates that they cannot call me and that they have to send me documentation of the debt owed by U.