Common Wealth Financial Systems

by Jimmy b
(KY )

My complaint,

So I've been receiving hang up call's from this company not knowing who they was or what they wanted. These calls was coming in at least six times a day. This morning June 29 2013 I called back the # and they knew My name and said I had a account with them. My reply was I don't an that's when she said that's why we hang up on you.

They are trying to collect a bill from Dec 07 of 795 for the doctor portion of the ER visit. First I've ever heard of this. I ask why haven't I received a bill or collection letter from them and they lied and said they sent me notice first of

I told them to verify the bill and I would I dispute any and all of it. They told me to late I had to prove it was not a good debt because it was already on my outstanding credit report. Which I find strange because I have filed three times and the letters I get back say the info in my credit reports is not the same and my ss# is wrong .. what to do now??

Reply from

There are several issues you raise.

1. Whether or not this debt is on your credit reports has nothing to do with a collection agency's obligation to provide you with written verification of the debt. As we explain in our ebook,Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, the collector is required by law to send you a written notice of the debt. It sounds like they claim they have done so but you don't believe they did. Either they did and you didn't notice it in your mail, or they didn't.

We would suggest you send them a letter (by certified mail of course) stating that you never received any written notice of the debt and that you want one now.

2. You state this debt dates back to December 07. Is that when it was placed for collection or when you fell behind with the original creditor? Collection accounts may not remain on credit reports for more than 7 years and 180 days from when you first fell behind with the original creditor. That's true whether it is paid or not. That means it should be coming off your credit reports soon - or perhaps should be off already - depending on the actual dates.

We recommend you at least read the first chapter of Debt Collection Answers online for free so you get an understanding of your rights with regard to this debt. We also recommend you talk with a consumer law attorney if you don't believe the debt collector is following the law.

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