My husband recently recieved a collections notice in the mail, for an account with a date from 1997 on it. We've never gotten anything from this company before, and when we checked our credit reports (yes all 3 credit companies) there was nothing on there about this account. I've already checked the company and it is a legitimate company, but something about this doesn't seem right. We're in the process of writing a letter of dispute, but I was wondering if anyone has any other suggestions of what we should be doing about this?
2007-01-31 12:58:07 · 10 answers · asked by Vickie 1 in Business & Finance ➔ Other - Business & Finance
Answer depend on state. In many states old debt can not be collected. See the following link and check your state for specific statutes.
2007-01-31 13:22:46 · answer #1 · answered by wizard 2 · 0⤊ 1⤋
Call us the collection service and agree for a letter for the bill paid in full you will pay TEN CENTS ON THE DOLLAR, and insist on pay out terms without interest if you don't have the money on hand. Collection companies are always trying to collect bills that are way over due. Your credit would of been bad for several years. Signing anything will create a bad financial problem for you to handle. Do not make any payment without
a sign, dated bill sent to you. If the bill arrive and it does not have the figures that you want or not what was said on the phone, don't pay it.
These collectors wanted me to take out a new loan at a new creditor so I would have the money to pay them. Don't do anything like this.
2007-01-31 13:51:42 · answer #2 · answered by whatevit 5 · 0⤊ 1⤋
My first instinct would be to ignore this. If you can't live with the suspense, then ask the company, not the debt collectors, to provide you with detailed information and a copy of your signed invoices and card receipts. Under no circumstance should you give them any information about you, your cards, or your accounts. Could be an honest mistake but sound like a scam.
2007-01-31 14:00:29 · answer #3 · answered by Trail Hiker 3 · 0⤊ 0⤋
I would not answer the letter. Do NOT give out any information on anything that you have not been involved with and/or seen before. It is almost like when you return a SPAM email and ask that you be removed from their list. They know you're alive, you answered the email, and you WILL be getting more SPAM from them!
It's been 10 years...let it go...
2007-01-31 13:24:05 · answer #4 · answered by mhcgjl 3 · 0⤊ 0⤋
Sounds like a phishing type of mailing that is intended to get further personal information from you. I believe if you go to the USPS.COM website (US Postal Service), you can report the potential fraud... if it hasn't shown up on your credit and it is over ten years old, I would disregard it. DO NOT give any type of information to them as it will cause you more harm than good.
2007-01-31 13:08:16 · answer #5 · answered by Jared L 4 · 0⤊ 1⤋
send letter of dispute certified and be sure to kept copy.
Do not give out any additional information other than dispute you owe any such bill and have no intentions of paying such.
It's their position to prove such.
do not give out tel number or any information at all...
If any person used your name to obtain credit-don't aid any collections company.
After ten years--they are dead in the water any way.
I would also call attorney general office in your state regardless..
2007-01-31 13:16:10 · answer #6 · answered by cork 7 · 0⤊ 1⤋
you need to ask for a staement or invoice detailing what they bill is for, if they cannot provide you with this then they cannot pursue the claim. I would also ask fo rthe reason as to why it has taken 10yrs for them to chase up this "payment". I dont think that they can to be honest, go to the CAB if in uk or equivalent in your country
2007-01-31 13:09:14 · answer #7 · answered by Anonymous · 1⤊ 0⤋
this sounds like garbage mail to me, if you didnt get anything from this company before. My guess(which could be wrong) is that they just want personal information to get into your account or something. of course this is only my opinion.
2007-01-31 13:04:57 · answer #8 · answered by hot_hermione 5 · 0⤊ 1⤋
CONTACT THAT COLLECTION AGENCY AND TELL THEM YOU WILL FILE A LAWSUIT , IF THEY DON'T STOP HARASSING YOU ABOUT A DEBT THAT DOESN'T BELONG TO YOU, THAT COMPANY COULD BE CREATING FRAUD, SO YOU MAY WANT TO FILE A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE IN YOUR AREA!
2007-01-31 13:30:18 · answer #9 · answered by ? 3 · 0⤊ 0⤋
I agree with hot-hermione's ^^^^ answer.
2007-01-31 13:06:58 · answer #10 · answered by beautifully_scarred 2 · 0⤊ 1⤋