I don't believe I Owe Debt Collector Wants Me to Pay

by d.b.h
(Alabama)

I was contacted by someone claiming to work for a debt collections office. This is the first time I have heard of this account, and I have not received any prior warnings of owing this debt. I have not received any mailing notices or e-mails. They have demanded that I pay the account in full or receive prosecution.What actions should i take.

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Apr 16, 2011
I Don't Believe I Owe Debt Collector Wants Me to Pay
by: Debtcollectionanswers.com

The debt you've been contacted about may belong to someone else with a name similar to yours or perhaps it's an old debt that you have forgotten about. The first thing you should do is let the debt collector that you do not believe that you owe the debt and ask for the debt to be verified or confirmed in writing. The federal Fair Debt Collection Practices Act (FDCPA) gives you the right to make this request and requires that the debt collector respond to you. However, you must ask for the debt to be verified within 30 days of your being contacted by the debt collector about the debt for the first time. Communicate the fact that you don't believe the debt is yours and that you want it to be verified in a letter and send the letter via certified mail, return receipt requested, so you have proof that it was received. Make a copy of your letter for your files before you send it. You may need the letter later if you have to take legal action against the collector.

If the information that the debt collector sends you in response to your letter is not clear, contact the collector again to ask for a more detailed accounting. Again, put your request in writing, make a copy of your letter and send the original via certified mail with a return receipt requested.

Contact a consumer law attorney in your area immediately if the collector does not respond to your letter/s or if the information he provides fails to prove that you owe the debt he wants you to pay.

The attorney should be someone who helps consumers resolve debt collection problems. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here. Seeking legal help is especially important given that the debt collector is threatening you with a lawsuit.

You may also want to get our ebook Debt Collection Answersso you can become familiar with your debt collection rights and so you know what to do and not do when you are contacted by a collector. You can read the first chapter of Debt Collection Answers online for free.

Good luck!


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