Creditors Exchange claims to have a judgment against me – what to do?

Send them a DV letter along with a cease and desist letter by certified mail advising them to contact you by US mail only. They have to prove that it is your fathers debt.

Creditor's exchange uses inappropriate messages left on any phone number that they get. I owe no debt, yet they will not stop calling and leaving messages with their automated system. Can any government agency stop this and other creditors from calling me?

They are known for this. Send them a Cease and Desist letter CMRRR, advising them to stop the calls. I also notified the FTC about their calls, I haven't heard from them in about a year now.

I had calls from the same company. They called my husbands work. They say they are going to garnish his wages. If I get the letter of validation. Are they able to demand big payments right now. Please write back asap.

They can demand anything they please. That doesn't mean that you have to give it to them. And they can't garnish your husband's wages without taking him to court first, so that's a hollow threat. Also a violation of federal law.

What type of debt are they trying to collect on, when was the last time a charge or payment was made on the account, and what state do you live in, please? I'd like to check your state's laws.

If you already made arrangement but are unable to keep them

It is my husbands bill. Capital One about a year ago I am thinking. Thank you so much

Send them a demand for validation immediately.

The last payment was made in may of this year. My daughter made it. Then the one I made bounced.they wants to keep calling my husband at work. Can they speed up demand if I do the dv. Wont it make them really mad at us?

Since it is in my husbands name does he have to write it? They say I am just a guilty for not paying it. CONFUSED and REAALY REALY scared

There are know 2 collection agency saying they have this acct.

They can't call your husband at work if he tells them not to. That's the law. And while I'm at it, the law also states that they cannot talk to his boss about it. That's called 'third party disclosure', and you can sue them for it. Further, they have no right to work you up into a nervous tizzy over this. And no. If your name isn't on the account, then you aren't legally responsible for it unless you live in a community property state. And even then, there are limits.

Have they shown you what they're collecting for? You have the right to know what you're paying on, that the amounts are accurate, and that the people you're paying actually have the authority to collect that debt. The letter template I linked in for you includes a 'limited cease and desist' clause. Basically, you want them to never call you again, and only deal with you through the US Mail. You want to hear from them by mail, though, rather than just cutting them off completely, as that likely would precipitate legal action.

You could certainly put the letter out, but I'd recommend keeping your husband in the loop on this, seeing as it's his account. But both of you need to be on the same page with these people. And don't sign the letter. Just type the name at the bottom. Some of these places aren't above affixing that signature to some bogus document they whipped up in-house.

All the more reason to sesnd that letter before you or your husband send them dime one. You have to know that you're dealing with the right people on this. Who is the second CA?

Creditors Interchage

Those are some not-nice folks. Liars, cheats, and swindlers... And those are their good qualities.

They get a copy of the letter too.

If I work with the cc is it better and cheaper?