What to do if a collection agency doesn’t provide adequate debt verification?
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What to do if a collection agency doesn’t provide adequate debt verification?
A collection agency sent me a debt verification with an amount I supposedly owe, and the date they acquired it and the name of the original creditor. I have asked for copies of a signed agreement and payment history with original creditor. If they don’t provide them, what can I do to make them stop contacting me?
Asked on May 7, 2012 under Bankruptcy Law, Tennessee
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
The best way to deal with a situation where you are being pestered by a supposed third party debt collection agency that supposedly received and assignment of a debt that you supposedly owe is to write its representative a letter seeking all written documentation in order to assure that the debt was properly assigned by the original creditor. There are many fraudulent companies in this country claiming they own an assigned debt but do not.
If the company's representative refuses to provide you with the requested information and still continues to bother you, a second letter is in order referencing that the conduct could be in violation of federal and state laws on unfair debt collection practices.
If the contact still continues, you should consider consulting with an attorney that practices in the area of consumer debt law.
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