Collection Agency Started Sending My Notices To My Son's Address

by Lance
(Townsend, MA)

Do not even know if this debt is mine. My son moved in with his girlfriend 1 year ago. Recently he started receiving notices from AFNI regarding what they claim is an old debt with Verizon that I had back sometime between 2006-2008. I am very angry that AFNI sought out my son's address in hopes of, I am assuming, getting me to pay this debt that I do not know of. They even went so far as to report to the credit agency that they have reported to that this is a new address for me. What can I do to stop them?

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May 11, 2011
Bills Sent to Son's Address

Do you and your son share the same name? If so, that may be why you and he were mixed up credit wise.

Regardless, it sounds like the next step is for you to establish whether or not you owe this debt. You can follow our instructions in Debt Collection Answers to request verification of the debt, and to dispute it if you don't believe you owe it. You can read the first chapter of Debt Collection Answers online - it's free.

The steps to take after that will depend on whether the debt is valid or not.

If it really dates back to 2008 when you last made a last payment, then it's not that old. It's less than four years, and according to our sources, the statue limitations for most consumer debts in Massachusetts is six years. In addition, collection accounts may be reported for seven years and 180 days from the date you first fell behind with the original creditor (in this case, Verizon).

Please make sure you keep excellent records of everything involved here, including copies of your credit reports, the correspondence sent to your son's address, and any letters you send the collection agency. You can also download our Free Debt Collection Worksheet to take notes anytime you talk with the debt collector on the phone.

As for the in accurate address on your credit reports, you will want to dispute that. You can read our information about how to dispute credit report errors.

You can use the comments link below if you have any follow up questions.

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