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Unsubstantiated debt collection

by Bridgette
(Antioch, CA)

I am currently and continue to be harassed by a debt collection agency for an alleged unpaid account for XM Radio. I received a bill from XM Ratio notifying me of an increase due to an added broadcasting fee. On that day I wrote and signed this letter stating I did not want to continue my service and pay a higher fee and requested my service be canceled. They have turned this account over to EOS CCA collection agency, whom I also sent a copy of my written cancellation and as of today they continue to harass me and continue to ruin my credit. How do I resolve this?

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Unsubstantiated debt collection

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Feb 16, 2010
 disputed debt with XM Radio
by: Gerri

Bridgette,

It sounds to me like you have a legitimate dispute and written documentation backing up your dispute. Since you have disputed this debt in writing with the collector, and provided proof of your side of the story, I think the next step is to contact a consumer law attorney. You may have a case under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

The coauthor of the California edition of our book, Robert Brennan, handles both types of cases. I'd recommend you contact him at BrennanLaw.com. If the collection agency has broken the law, you may be entitled to damages, as well as attorney fees.

Let us know how this turns out OK?

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