Do debt collectors have to prove the debt owed is your?

Do debt collectors have to prove the debt owed is your?

A debt collector froze my joint bank account without even contacting me to let me know that they think I owe this bill. The company never even served me with court papers notifying me that there was going to be a judgement. When I called the debt collectors and asked for proof that this is my bill (which I have never had a such a credit card) they told me that they do not have to prove anything to me. What should I do as I cannot afford a lawyer to get my account unfrozen?

Asked on February 21, 2012 under Bankruptcy Law, New York

Answers:

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