How do u keep debt collectors from calling? When it's not ur bill.?
The Answer : I love the easy questions....All you have to do is send the debt collector a letter requesting that he "validate" the debt. That means he has to PROVE that you actually owe the debt by supplying copies of contracts, receipts, bills, and/or any records that pertain to how the debt was created and calculated.
In many cases I have counseled, this will usually stop everything immediately, and you may even get a letter affirming you do not owe a debt.Where many people make their mistake is asking the collector to "verify" the debt. All they need to do in this case is contact the original debtor and ask if it's a legitimate debt. If they say yes, it's now "verified". That does you no good at all. That is all that's required of credit bureaus too, which makes it hard to get reports taken off your records.OK, now my battle cry...You are about to go to war.
Do not fight these guys unarmed. Your only weapon is knowledge, so read the links I have supplied below, and studly the Fair Debt Collections Act. Your enemy is already armed with this information, now you will be fighting them on equal grounds.They have 30 days to respond with all of this information.
If they do not respond, or do not provide sufficient proof, then contact the credit reporting agencies demanding they remove the listing (if one exists). Also be sure to send them a "Cease and Desist" letter demanding that they do not contact you by phone again. If they do you have legal grounds to go after them.
http://www.comresinc.org/forms/credit/cl...
http://www.ftc.gov/bcp/conline/pubs/cred...
http://www.ftc.gov/bcp/conline/pubs/cred...
http://www.cardreport.com/laws/statute-o...
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