How to deal with debt I do not owe?
hello,
here is my situation:
about 3 years ago a contractor was hired to perform remodeling work on my house. the contractor was doing work that was sub-standard and he was fired about 6 months into the project. despite his substandard work, I have paid him 100% of what was owed for the work performed and we amicably parted ways.
last week I received a collection letter from a California collection agency (I live in IL) that I owe on some debt to the contractor mentioned above in excess of $15k. I was floored. this was the 1st time I have even heard of this. I have never received any letter/call from the contractor that I owe him anything (he was paid in FULL after all !) nor did he ever take any action against my property (filing a lien, etc) - in all, this is the 1st time me hearing about this.
problem is that now I have to deal this BS. I did check all my credit reports today and this collection is not on them (yet).
my questions are:
(1) are there any sample letters that I can send for debt verification (proof) that would be tailored to my situation?
(2) should I consult an attorney? if so, does anyone know of a reputable firm/attorney in IL that I can contact?
any information would be be appreciated.
thank you, LS
here is my situation:
about 3 years ago a contractor was hired to perform remodeling work on my house. the contractor was doing work that was sub-standard and he was fired about 6 months into the project. despite his substandard work, I have paid him 100% of what was owed for the work performed and we amicably parted ways.
last week I received a collection letter from a California collection agency (I live in IL) that I owe on some debt to the contractor mentioned above in excess of $15k. I was floored. this was the 1st time I have even heard of this. I have never received any letter/call from the contractor that I owe him anything (he was paid in FULL after all !) nor did he ever take any action against my property (filing a lien, etc) - in all, this is the 1st time me hearing about this.
problem is that now I have to deal this BS. I did check all my credit reports today and this collection is not on them (yet).
my questions are:
(1) are there any sample letters that I can send for debt verification (proof) that would be tailored to my situation?
(2) should I consult an attorney? if so, does anyone know of a reputable firm/attorney in IL that I can contact?
any information would be be appreciated.
thank you, LS
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