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

Click here to add your own comments

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!

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2019 by Mary Reed and Gerri Detweiler.
All rights reserved.
Read our Privacy Policy here