1. Why pay what I owe Noble? I can't possibly pay all my bills. - Any possibility of repairing your credit starts with resolving past debts. We will work with you to pay your debt to Noble in a friendly and financially sensible way.
  2. I'm confused. What does it mean when you say that you will "work with me"? - It means exactly that. We can't ignore the debt but we can work with you to find a way to get this, and perhaps other debts, off your mind. Noble is a licensed collection agency. We believe in treating our customers with respect and dignity. We know it makes more sense to work with you.
  3. If I didn't borrow the money from you in the first place, why should I pay you? - Your creditor (either a financial institution or healthcare organization) has hired us to contact you. The debt is a legally valid obligation. It is better for you to work with us because we don't have all the restrictions of the bank or hospital and are much more flexible in working with you.
  4. Why do you need to advise me about my rights and disclosures when you call me? - Federal law requires us to tell you those things. It is part of our promise to be open and fair with you.
  5. Do I have to pay a "charged-off" debt? Doesn't "charge-off" mean the creditor is moving on and forgetting about it? - Charge-off is just an accounting term, the balance is not written-off. You remain legally responsible for the debt.
  6. If I am making payments are you charging me interest? - No. Every penny you pay goes to reduce the balance.
  7. If I get a letter from Noble, what should I do? - You should call us so that we can understand your situation. We want to work with you.
  8. What if I can't pay in full? - We offer a variety of payment plans to fit your situation.
  9. Should I just let one of those "credit counseling" or "debt settlement" companies deal with you and save me the trouble? - That is really not necessary. We are easy to work with. But, if you want to work with a credit counseling company, that is your right. If you want to work with a debt negotiation company, we can recommend one that we trust. We urge caution because many of the companies out there have had regulatory infractions. Let us point you in the right direction.
  10. What rules apply to Noble? - Noble will at all times fully comply with federal and state law. Further, we promise to treat you with dignity and respect. We pledge to conduct ourselves in a professional manner.
  11. How long does negative information stay on my credit report? - Generally, items can stay on your credit report for up to seven years. In some cases, i.e. bankruptcy, they can remain for up to 10 years.

Important Information Required By Law: This communication is from a debt collector.
This communication is an attempt to collect a debt and any information obtained will be used for that purpose.