I sent a certified letter to a company who sent me a letter stating I owed them money. It is a company I have never heard of or had an account with. They replied saying they classify my dispute as frivolous and refuse to provide any information proving it is a valid debt.
2007-11-13 01:16:58 · 7 answers · asked by Ann Marie J 3 in Business & Finance ➔ Credit
The first step in challenging a debt is to request "Verification of Debt." Use that exact term. Do NOT claim that you don't owe the money, just ask for VOD. If they cannot provide VOD, the collection action dies. If they refuse to remove the item from your credit record, challenge it with the credit bureau and enclose copies of your VOD requests along with any copies of their replies or a signed statement that no VOD has been received.
If they attempt to sue, respond to the suit with the defense that you have requested VOD and none has been forthcoming and that you will raise that as your defense in court. If they cannot prove that the debt is valid, the suit will be tossed.
In most cases when a debt has been sold to a collection agency the paperwork that would have proved the validity of the debt has long been lost or discarded. When that happens the debt is uncollectible.
2007-11-13 01:36:03 · answer #1 · answered by Bostonian In MO 7 · 3⤊ 0⤋
by making use of regulation once you debt is going to a collector you have 30 days from while they won the debt to deliver in a appropriate dispute letter and that they are going to could desire to furnish documentation on the debt. There are extra formal steps that persist with yet you will could desire to have some parent on how plenty you probably owe on the account. in maximum circumstances creditors are prepared to choose the debt because of the fact they offered the debt for cents on the greenback besides. i could advise which you furnish the 50% of the stability to settle and notice in the event that they are prepared to take it. in the event that they say they are prepared to make particular you get something in writing from them earlier you supply them any variety of charge. i think of a lawyer could in basic terms be extra expenditures till this may be an extremely super bill.
2016-11-11 08:54:34 · answer #2 · answered by purifory 4 · 0⤊ 0⤋
These people sound like scammers! They scare and harass you to extort money. Consult a lawyer and if you actually know you do not owe them money based on cross referencing with your lawyer explore how you can sue the company for money yourself.
At least go for a restraining order.
2007-11-13 02:24:47 · answer #3 · answered by lipvixen 5 · 0⤊ 0⤋
I would reply to them that you find their claim invalid without any documentation and any further contact by them will be considered harrasment and will be brought to the attention of your attorney and local authorities.
If they don't provide any documentation you are under NO liability to pay any debt. This could very well be a scam and it should be brought to the attention of law enforcement.
2007-11-13 01:32:05 · answer #4 · answered by Anonymous · 3⤊ 0⤋
contact the county attorney. If they cannot provide documentation of the debt they can't make a claim.
2007-11-13 01:20:35 · answer #5 · answered by Anonymous · 3⤊ 0⤋
Forget about it.
The burden of proof is on them to prove that you have a debt with them. If they can't do that then it would be a waste of their time and money to try to take you to court.
2007-11-13 01:25:26 · answer #6 · answered by Ben O 6 · 2⤊ 1⤋
Whatever you do, do NOT send them any money. Contact the better business bureau, or a lawyer. It sound like this might be a scam that uses intimidation.
2007-11-13 01:23:41 · answer #7 · answered by Jess H 7 · 7⤊ 0⤋