Can newspaper ruin my credit for not paying bill I dispute?

Question

I called several times to cancel the newspaper subscription but they ignored my calls and kept on delivering the paper and billing me. Finally I got up at 3 a. m. one morning and yelled at the carrier to stop throwing the paper at my door, which is when it stopped.They have been billing me ever since. I haven't paid, because of their ignoring my requests to cancel. Can they ruin my credit if i don't pay?

Answer 1

First of all put any cancellation requests in writing and send it certified mail, that way someone there has to sign for the letter and you'll have proof they received it. Second cal the subscription manager and explain your situation and why you feel you don't owe the bill. Any time you call to cancel something write down the name of the person you spoke with, their phone number and the time and date you spoke with them. If they agree that you don't owe the money tell them you would like a letter to that affect stating you don't owe the money. That way if they do try to collect on the bill in the future you will have proof of what they agreed to.

Answer 2

Your best bet before it goes any further is to contact the newspaper and explain the circumstances to them. Your request for cancellation may be on file but has never been matched up with the bill yet. Also, newspapers always hope to regain your business so they may be willing to forget about the amount owed. The bad part about it is that yes, if the amount goes unpaid and goes to collection it can appear and have a negative impact on your credit. It is amazing how many people have great credit except for one or two small amounts that was turned over to credit reporting agencies. Although, depending on the situation these small amounts may and may not affect your credit as much as larger amounts it is much better to try to keep them off your credit report. If they do go on your credit report you can always dispute them, and even add a statement, but that doesn't really diminish the fact that they are on your report. Good Luck

Answer 3

I do home loans in Las Vegas, plus I do a lot of credit restoration and I can tell you that I've never seen a collection from a newspaper company. Can they do it? Yes. Will they, I doubt it. Anyways, one collection will hardly ruin your credit if you have a strong credit history. If you really want to stop their bills from coming, send them a DEBT VALIDATION letter. Just google "debt validation letters" and you'll find a bunch of examples. If the creditor/collector can't substantiate an alleged debt, they have to stop contacting you.

Answer 4

Employers no longer basically look into resumes at present, yet do credit/history tests on ability employers. Your pastime cost on a loan or a motor vehicle loan would be bigger than the guy with solid credit. Make all tries to pay on your debts. in case you have the skill to record for non everlasting incapacity, gain this till you will be able to desire to safeguard employment . . . at this element a job with coverage (any job with coverage) is what you choose on your difficulty.

Answer 5

If they want to be real bastards sure they can. But I would immediately send them a letter stating "I contacted you on this date to stop delivering "newspaper name." Yet, due to your own negligence and incompetency you did not adhere to my request until I finally on (date) I exclaimed to the deliverer at 3a.m. to stop! I do not owe any monies and will report you to all necessary State agencies regarding your business practices.

Your name

Do not end it with sincerely yours, etc... just your name.