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Collector trying to collect a debt that I do not owe

by Sandra
(Houston, Texas)

I received a letter from Leading Edge Debt Collection. They are trying to collect approx. $11,000 for a debt that went through the legal system, and I won. They are claiming it's under Providian Bank (which has been closed for years and had a 0 balancee). I tried to call providian and got Chase Bank who is the company I won the judgment from. This has been put on my credit report, as me owing them this amount. What can I do, short of hiring a lawyer?

Comments for
Collector trying to collect a debt that I do not owe

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Jun 06, 2011
 Collector trying to collect a debt that I do not owe
by: Debtcollectionanswers.com

Hiring an attorney to help you resolve your problem may be your quickest option, but if you want to try to resolve it yourself, I recommend that you send the debt collection firm a letter stating that you do not owe the money it wants you to pay and why. Attach to your letter a copy of the judgment you won against Chase Bank. Also, ask the debt collection agency to remove the information about the debt that is showing up in your credit reports. I would Cc Chase Bank on the letter -- specifically the office you dealt with regarding the lawsuit.

Make two copies of your letter -- one for your files and another for Chase. Send the original and the copy for Chase with the attachment via certified mail with a return receipt requested.

If the letters do not resolve your problem, I recommend that you contact an attorney in your area who helps consumers resolve problems with debt collectors.

Good luck!

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