Can I send a cease and desist if I do now know the debt?
Date: Wed, 05/05/2010 - 13:58
I have been getting calls from a collection agency named Appeles( sp?). I have no idea what this is for as most everything I have is current. I suppose there is a chance it could be something very old. I have read on the Internet these people are pretty nasty. Can I send a cease and desist to ask them not to call anymore if I do not know the specific debt they are calling about?
Yes, you can and should. If you want to, you can also ask them
Yes, you can and should. If you want to, you can also ask them for proof that you owe them money. After doing either, you shouldn't hear from them again.
If you have a doubt that the debt claimed against you is invalid
If you have a doubt that the debt claimed against you is invalid, then you ask the caller to give you their physical mailing address. Once you have that, please send them a Validation Letter asking them to validate the debt that they claim to have against you. If they do validate the debt, then you would have to arrange for the payments. If they cannot validate the debts or if they do not reply to that letter, then good for you. You would not be obligated to pay them anything.