that they had already sent one to my address. I honestly do not recall seeing one from them. I want to send them a Validation of Debt letter but would that be wise considering that they only called me about it? They did give me the account number. Should I send the Validation of Debt anyway?
2007-10-16 08:01:52 · 13 answers · asked by halenstone2 2 in Business & Finance ➔ Credit
Send the request for validation via certified mail, return receipt. Give them 30 days to respond. If they don't provide proof of the debt, tell them to pound sand.
Don't talk to them on the phone. If they call again, refer them to your letter and hang up.
2007-10-16 08:16:50 · answer #1 · answered by bdancer222 7 · 1⤊ 0⤋
Yeah, sounds like a SCAM!!! Beware, a lot of people are getting into financial trouble, because they believe they may owe a debt and give out all of their personal info over the phone. You did the right thing to request a valid statement of the amount you owe. I would ask for their number so that I could call them back at a later date to discuss the matter, preferably with their supervisor. If that doesn't work, just continue to play along with their game and report them to the Attorney Generals office. At some point in the game, they will give you what you ask for or stop calling you all together, because you are not giving in like they want you too.
2007-10-16 08:19:13 · answer #2 · answered by ladyt 2 · 1⤊ 0⤋
I used to work as a debt collector and we ALWAYS sent a statement copy if someone requested it. It didn't matter if they'd received ten in the mail previously. It sounds like a scam, but just to be safe I would sent a notarized validation of debt letter to them. Maybe you should even have a lawyer look at it for you before you send it.
2007-10-16 08:06:13 · answer #3 · answered by Anonymous · 1⤊ 0⤋
You don't mention if this is actually your debt or not.
Either way, you always ask for a debt to be validated.
Note that I said "validated"....you don't want a statement from them. This is nothing but a bill.
Validation means you want PROOF....a contract, bills, receipts, demand letters, transfer of account....they must prove you have an obligation to pay them.
I don't think this is a scam this guy is pulling...I think he's just lazy. Send them a letter demanding they validate the debt.
2007-10-16 10:59:14 · answer #4 · answered by Anonymous · 2⤊ 0⤋
I would suggest you search the company online and see if they are leginimate first. The validation of debt letter as you know has no personal information about you just about the account itself. Also they have to send you a statement if you request it. I would also suggest you obtain a free copy of your credit file from annualcreditreport.com and see if they are reporting the account to your credit file. Alot of people do a scam claiming they have an account and ask you for your social security number. NEVER give it to them, they can look up the accont other ways
2007-10-16 08:33:48 · answer #5 · answered by mscarriem 3 · 0⤊ 0⤋
Years ago, I got called by a collector. Turns out that they called me because I had the same name as the debtor they were trying to contact. I demanded the name of the creditor and called them up. I identified who I was. They confirmed that I owed them $1200. I asked who's name was on the bill, assuming that it was from my ex, who was going to a bunch of Dr.'s at the time. They said no, it was me. I said, do you have an address, and they said that I lived in Mill Valley, California. I said no, I didn't live there. They said I used to live in Mill valley, and again I said that I never lived there.
Whoops, wrong person. They apologized profusely, and no more phone calls.
2007-10-16 08:22:18 · answer #6 · answered by Steveo 5 · 0⤊ 0⤋
this form of probability is a favourite tactic of debt creditors. it rather is totally probable that this legal probability is bogus. in the event that they make a probability like this returned, state right here: "what's the call of your lawyer who would be taking me to courtroom and what's his or her license # interior the state bar affiliation? - right here's a thank you to end telephone harassment at artwork: State right here if she calls you persistently a artwork: "Be cautioned that this telephone call is being recorded. consistent with the honest Debt Collections Practices Act, i won't take very own calls at artwork. i'm soliciting for which you end all calls to me at artwork right now." -------- tell her which you would be able to no longer do something till they provide written validation of the debt. Debt creditors have not any legal ability over you in besides, so do no longer enable them to scare/bully you. surely do no longer provide them your financial company account numbers below any situations.
2016-12-29 13:27:36 · answer #7 · answered by ? 4 · 0⤊ 0⤋
Never believe anything from a phone call. And never give out any personal information over the phone. If this caller is legitimate, insist on something in writing so that you can review it.
2007-10-16 08:05:09 · answer #8 · answered by kja63 7 · 1⤊ 0⤋
No, demand a mailed statement. You may not even owe these people money. First comment is right, report it to an Attorney General.
2007-10-16 08:05:05 · answer #9 · answered by Anonymous · 2⤊ 1⤋
You need to be sure for what it is you owe. I'd ask them to send you another statement. If they threaten to sue, tell them that would be wonderful, because the plaintiff attorney will then have to produce the statement.
HINT: You're dealing with someone who may not know what they're doing.
2007-10-16 08:05:03 · answer #10 · answered by Anonymous · 2⤊ 1⤋