When they call tell them to send what they want you to understand in writing and you will respond in kind. Tell them that "this is not a refusal to pay but a demand that they validate the debt in writing." Follow up with the demand to contact you in writing only. These are the steps to take to setup for Fair Debt Collection Practices Act violations. If you refuse to pay without asking for validation, they will use that as an admission that the debt is valid and it can make getting a judgement against you easier. If you tell them to never contact you this opens them up to being able to file suit as they have no other recourse. Never agree to pay a collection agent as they are a third party intervener and you are never contractually obligated to pay a party who is not specifically named on the contract that you sign. Lastly look up a Request For Validation Form on the internet and send it by Certified Mail to the Collection Agent and demand it be filled out in full before dialog continues. This works almost 100 percent of the time and they go away.
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Yazmin
| 1 reply
I have received the same email. I just going to report to either state of attorney or fbi
Comments
Never used them before
This is fraud
And I want them caught
This is stressful