letter
Complaint
George
Country: United States
I get a letter from address PO Box 1259, Department 91047, Oaks, PA 19456 that isn't mine and it is really PENN CREDIT phone number is 1-800-900-1370...
Call Type: Debt Collector
Call Type: Debt Collector
Comments
Send them a letter, mailed certfied return receipt requested, disputing the alleged debt, and demanding proof you owe it. If you have further problems with harassment or attempts to collect an unowed debt, file complaints with FTC and your state AG, and contact a consumer attorney, as you may be able to sue them for violatons of FDCPA. You can find a consumer attorney in your state through www.naca.net
Most collection agencies don't have any of these documents. Portfolios get sold to them as Excel spread sheets with lists of names, addresses, phone numbers, account numbers, (sometimes) SSNs, and dollar amounts to debt collectors from the original creditors. So, if Penn tries some shuck and jive crap where smoke and mirrors are supposed to take the place of actually debt proof, do what the above advised you and get yourself educated regarding small claims.
And, if you do actually find that the debt is valid, do everything in your power to work with the original creditor instead of the debt collector. Your chances of actually putting money toward the debt and not lining the pocket of the debt collector will be significantly better if you bypass the debt collector altogether. If the debt collector tries to get in the way of this maneuver, talk to a lawyer. It's possible that their tactics to circumvent the presence of the original creditor are violating laws so don't let them off the legal hook.
Allen Weed
We received mail requesting a "medical bill payment." We were told to send payment to this PO Box immediately to avoid being sent to collections. When I emailed and called the information on the "bill' - I was sent to fake places. The email address was 'inactive' and the phone number rang and rang. The bill is from Prism Health Care. But it isn't a real company