![]() ![]() By clicking on the "I Agree" button and by clicking on the “Pay by Check” or “Pay by Credit Card” button, you are accepting these terms for using this service. Any rights not expressly granted herein are reserved by Phoenix Financial Services LLC. You further agree that this User Agreement forms a legally binding contract between you and Phoenix Financial Services LLC and that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. You can also mail your payment directly to Phoenix Financial Services LLC, PO Box 361450, Indianapolis, IN 46236.īy submitting payment information through this Service you agree to the terms and conditions of this Agreement and any documents incorporated by reference. If you have any questions or would like to talk to a live Collections Specialist, please call us at (855) 342-6567 during standard business hours: Monday thru Thursday 9am-9pm Eastern Standard Time and Friday 9am-5pm Eastern Standard Time. In order to properly process your transaction it is necessary that you complete all the information requested. You are about to pay on your account to Phoenix Financial Services LLC. This communication is from a debt collector. Any information obtained will be used for that purpose. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.Javascript Required: please ensure you have Javascript enabled and that you are using a modern browser - for example, Internet Explorer, Firefox or Chrome. 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. ![]() If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. 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: And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score.
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