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Help please

Date: Wed, 12/20/2006 - 17:26

Submitted by karaguffey
on Wed, 12/20/2006 - 17:26

Posts: 5 Credits: [Donate]

Total Replies: 7


Here is what is going on. The first week of December my mom told me I received a phone call from GC services and I needed to call them and find out what was going on. So I did that. The Creditor told me I owed nearly 3,000.00 on a car I totaled back in spring of 2003. This is the FIRST we have heard of it. I told her I would have to talk to my parents because everything was in their name. She also had two random addresses I never lived at aswell as a differnt social security # (and mine)and the wrond DOB. I told her she could speak with my mom and I had my mom call. When my mom called she tried to get information about the debt and told the lady she wouldn't pay anything until she saw documentation the lady started threatening for us to get an attorney and all that and hung up on my mother. She called me 3 days later (after a 72 hour settlement deadline had passed of 2600.00) and asked me if I was going to pay. I tried to get info from her and told her I had a few questions first off I wanted her last name. She spelled it for me was rude and hung up on me. She called back tonight to 'finalize' the account. I told her I was still waiting on documentation. She said there was two letters sent out and we verified the address so she can send another. Here is the deal... we checked. Our loan was not through GMAC who the creditor says it was through. It was never in my name only my parents. My name was only on the title. Mom checked with the tag agency and the title is in someone else’s name (it couldn't of been in someone else’s name if there was a loan on the car). I pulled my credit report and it is not on mine and my parents both bought brand new cars with no problems. Is this fraud?


What should I do? Any advice would be helpful!


Do you know the name of the collection agency? Send them a debt verification letter, and send it certified. They are required by federal law to provide you with this documentation. I would contact the original creditor you had your auto loan with to follow up on the collection agency, and if possible get something in writing from the original creditor of your auto loan. And if this is a company you never had a loan with, check your credit report, it could be possible somebody used your identity.


lrhall41

Submitted by on Wed, 12/20/2006 - 17:30

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Yes the original creditor would be the local bank you took the loan out with. I would definately get that payoff statement, then send a copy to this collection agency and follow up with a complaint to the ftc and your attorney generals office. A debt verification letter is just a letter demanding they verify this debt is yours.


lrhall41

Submitted by on Wed, 12/20/2006 - 17:35

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