collections company doesnt provide proof?

Question

Once I request proof from a collections company, and they dont do so, what happens to the account?

Answer 1

The probably assumed you were trying to weasel out of it.

When a credit card debt is long over due the credit card company can hand it over to a Debt Collection agency. The agency then hounds the customer to try and get the debt paid. If the person pays anything then the Debt Collection Agency gets 50% of that payment.

So it is better to deal with a Consumer Credit Counselor Agency and have them negotiate a deal. Often they can get your payments cut down to 60% and on a schedule that you can live with. Most of these services are free.

Start with this website: http://www.cccsatl.org/
If you need more help then go to this Google Search: http://www.google.com/search?sourceid=navclient&aq=t&ie=UTF-8&rls=GGLR,GGLR:2006-49,GGLR:en&q=consumer+credit+counseling+service
and look for a service that is willing to help you.

In the eyes of the Credit Card company it is better to get the money from you and not from the debt collectors. If you deal with them through a Consumer Credit Debt Service then they know you have an intention to pay them so they will be willing to work with you.

To get proof of the debt you need to contact the Credit Card Company. NEVER trust what the Debt Collection Agency says because a few of them are not above lying. They can also make mistakes. In your case they may have even called the wrong person.

Answer 2

Depends on how you asked for proof. If you just yelled 'Prove it' on the phone, they can and will continue with collection activity. If you send in a written request of validation, they'll reply within 30 days as is required under fdcpa.

That said,
You know if you owe the bill. If you had what ever service or product for which you're being billed and you didn't pay for it, you should know.
If you're trying to weasel out of a valid debt on technicalities, you need to ask yourself why you're stealing.
If you really don't know, odds are your book-keeping/bill paying is bad enough you probably do owe the bill.

Answer 3

The agency must take it off of your credit report, or face fines. Check out the link below, it lists the fines. (If you open the link in a small screen, scroll down past the ad.)

Answer 4

they have to have proof or there is no way they can
collect anything at all. either they are new at this or
better get boss who knows what they are doing.