Creditor sending debt to collections without knowing that it was owed

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Creditor sending debt to collections without knowing that it was owed

by brooke

a company sent a debt to collections and never told me i owed it. I just receive a letter from collection an was unaware of this.

Can a company send a debt to collections without first informing me that I owe it.

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Creditor sending debt to collections without knowing that it was owed

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Jul 30, 2010

Consumer didn't know debt in collections was owed
by: Mary

Thanks for submitting your debt collection question on our Q&A page.
I am a little unclear about your question. Are you telling me that you didn't know that you owed money to a creditor of yours? That seems odd because nearly all creditors send the people who owe them money regular account statements stating the amount due, outstanding balance owed, and so on. That said, if you owe money to a creditor and you've not paid it, the creditor is entitled to send your debt to collections and is not obligated to tell you what is going to happen first. In reality however, when a consumer falls behind on a debt, the creditor typically sends that consumer a series of notices (and may call the consumer too) asking for payment and if the debt remains unpaid, eventually those notices may warn the consumer that unless they resolve their debt problem, the creditor will send the debt to collections or sue the consumer.

If I did not answer your question, please write back and be more specific about exactly what you want to know.

Jul 30, 2010

Debt you didn't know about
by: Anonymous

It is possibly that the debt is either not yours or very old. Either way, in addition to the advise that was already posted, I'll add that when they sent you that letter, they were also supposed to provide you with what is known as a "Mini-Miranda" which is essentially a recitation of what your rights are under the law. If the letter doesn't have that language, they are in violation of the FDCPA, first. Then, you have the right to request validation; in other words, you write them a letter asking that they provide proof of the debt; they have to stop all collection efforts while the obtain the proof and then provide it to you.

Hope that helps.

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Creditor sending debt to collections without knowing that it was owed

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Creditor sending debt to collections without knowing that it was owed