Dealing with collection agencies
Date: Sun, 08/05/2007 - 06:19
My advice on dealing with collection agencies is to NEVER DEAL with them period, do it by writing by mail and have them proof that you OWE the debt that's it. DO NOT GIVE OUT YOUR SSN over the phone, it will auto confirm that it is YOUR debt. If they call you, only give your name and address for them to mail you a letter, nothing more than that then hang up.
I agree they are dirty and they do not care about your problems or excuses, save your breath, to not deal with them at all. USE LETTERS PERIOD.
I will throw in a free website link to further educate and how to stop them in the tracks.
free debt-n-credit-letters (use website type these words in search bar)
Good luck! :D
That's why we always say to get a debt validation letter to thes
That's why we always say to get a debt validation letter to these CAs. Alot of them are not legally supposed to be collecting for the debt to begin with. If you document everything in writing, it will serve you in the long run. Most CA are not the nicest people to talk to, although, in their defense-if they have one- I will have to say that in the past I have had some that were on the up and up and very nice. But, regardless, I get everything in writing. And you are right, never give them your personal info, or for that matter, anyone!!..KAren
Although I agree with never volunteering personal information, h
Although I agree with never volunteering personal information, how does giving out a SSN auto-validate a debt?
Hi kscornell, I don't see how giving out an SSN could legally
Hi kscornell,
I don't see how giving out an SSN could legally validate a debt. They usually have an SSN to begin with, and simply verifying your SSN wouldn't fall within the realm of proper validation.
The reason I would never give out a social are two fold.One I do
The reason I would never give out a social are two fold.One I don't know who is calling me and want to guard my private info. Two giving out a full social may make an invalid debt yours when a shady collector adds it to the debt in question.
