debt collection calls
Date: Fri, 09/24/2010 - 16:30
I recently started getting calls from debt collectors for over due credit cards.
I spoke to them and asked if they could prove I owed the debt.
I do have cards with them but my wife is also listed on them and she had always paid all the bills I never even seen a bill.
Well She past away suddenly and now I get these calls demanding payment.
Saying Iam over a year past due and asking me to make payments using my checking acct. or debit card.
I asked them to verify the debts in question and they all said they could not but gave me the name of the creditor they are collecting for.
I told them I would not do anything until I could verify the debt.
What should I do next I keep getting calls several times a day I even have to turn off my cell phone at work.
I spoke to them and asked if they could prove I owed the debt.
I do have cards with them but my wife is also listed on them and she had always paid all the bills I never even seen a bill.
Well She past away suddenly and now I get these calls demanding payment.
Saying Iam over a year past due and asking me to make payments using my checking acct. or debit card.
I asked them to verify the debts in question and they all said they could not but gave me the name of the creditor they are collecting for.
I told them I would not do anything until I could verify the debt.
What should I do next I keep getting calls several times a day I even have to turn off my cell phone at work.
Did they sent you anything in writing? As per FDCPA, they need t
Did they sent you anything in writing? As per FDCPA, they need to send you a collection letter within 5 days of initial contact. Once you get the collection letter, you should ask them to validate the debt in writing. Send the debt validation letter in a certified mail with a request for return receipt.
Tell them not to call you at work. They should comply to it. Mor
Tell them not to call you at work. They should comply to it. Moreover, don't agree to anything if they don't send you the collection letter in the mail.
