Disputed Debt Reported to Credit Bureaus Without a Judgement!

by Darryl
(Great Falls, MT)

I live in Montana and am dealing with a difficult local debt collection business and an obstinate "creditor". I was seen by a dentist for a particular treatment plan. I did not decide to accept the provider's plan, and I did not enter into any type of contract.

However, the provider insisted I agreed to the particular treatment plant and billed me for the full amount of nearly $5,000. I informed him in writing, several times, which he acknowledged, of my reasons for disputing his ridiculous claim. Unfortunately, he persisted and turned the false debt over to a Montana collection agency.

They have contacted me numerous times by phone and mail wanting me to pay the alleged debt plus their fees which totaled more than a $1,000. So now, they claim, I owe more than $6,000 in fees plus the original debt about.

I have vehemently disputed this, in writing, and demanded they either cease and desist or take me to court. They have done neither, but they have continued sending harassing letters and even occasionally calling me despite my demand they not do so.

The most upsetting fact is that I just reviewed by credit bureau reports and found derogatory information pertaining to this alleged debt! This collection company has completely disregarded my dispute of the debt, taken their client's word as factual, and are reporting that I am failing to pay a debt now well over $6,000!

This is in absence of any judgment or legal proceeding. What right do they have to do this? Their actions cannot possibly be legal, can they? What are my options? Please keep in mind I have NO intent on paying ANY money to these people, or the dentist, on the basis that I do NOT OWE THEM ANY MONEY WHATSOEVER! Please help me if you can...PLEASE!

Reply from DebtCollectionAnswers.com: We can completely understand why you are so upset. It is unfair that this disputed debt can ruin your credit rating. Unfortunately, this is not an uncommon situation - where a collector reports a disputed debt without verifying it with the consumer (or not taking into account the consumer's side of the story.)

At this point, though, you have done everything you can to resolve this and it's time for you to talk with your own attorney. If the collector has broken the law in it's collection efforts, you may be entitled to damages and your attorney's fees. (We aren't attorneys and can't give you legal advice.)

You can either reach out to a consumer law attorney in your area with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. There is no fee unless you recover, so it makes sense to at least find out what your rights are here.

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