Medical bill in my name for someone I don't know
Date: Tue, 06/13/2006 - 04:37
Send out cease and desist letter to NCO. Clearly mention that yo
Send out cease and desist letter to NCO. Clearly mention that you are not the person they are looking for and you have no idea who owes the account they are collecting. Hence they have to stop all kind of communication with you in this matter.
Also check your credit report, you never know if they are reporting it or not.
I need some help with the cease and desist letter. Is there anyw
I need some help with the cease and desist letter. Is there anywhere I can get an example? Luckily this has not showed up on my credit report yet.
Example
Quote:
Your Name Your Address City, State, Zip (Sent via CERTIFIED RETURN MAIL #123 456 789 with RETURN RECEIPT) Date: *** Collection Agency/Law Firm **** Main Street, #100 City Name, USA 10021 Re: File #0000000 - ABC Lenders- #************ -For: $6655.55 Dear Debt Collector /Debt Collector Attorney: This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (fdcpa), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association. I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant. You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves. Sincerely, Your name |
Do I send this to the billing address or the company address, bo
Do I send this to the billing address or the company address, both are on the letter they sent.
Company address. Make sure you pull all three credit reports.
Company address.
Make sure you pull all three credit reports. It is very important that you di this because if you miss one thing on one credit report but get it on the other two then it's almost like getting caught with your pants down when you apply for credit.
I'm not a big fan of the cease and desist letter mostly because I know exactly what happens when an agency recieves one. They send it to a new collections agency. I would mail in a dispute letter to the originol creditor and to the agency. Durring that time they are not to contact you durring the investigation.
Okay, what is a dispute letter? Is there an example? I really wa
Okay, what is a dispute letter? Is there an example? I really want to get this matter resolved so I don't have to worry about it any more. I have recently (last week or two) check all my credit reports, because I am also a veteran, and they do not show up as of yet.
[quote] YOUR NAME YOUR ADDRESS CITY, STATE, ZIP CODE Re:
[quote]
YOUR NAME
YOUR ADDRESS
CITY, STATE, ZIP CODE
Re: Acct #
Collections Manager:
This letter is regarding the account referenced above, which you claim I owe. This is a notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act Section 809 [15 USC 1692g]. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
If you do not own this debt, you must remove the derogatory marks from my credit report per the Fair Credit Reporting Act.
This letter is also a formal request, citing Section 805 [15 USC 1692c] of the Fair Debt Collection Practices Act, to cease any further communication with me unless it is:
(1) to advise that your collection efforts have been terminated;
(2) to notify me of any specified remedies
(3) to notify me that you have invoked a specified remedy
Please note that any failure on your behalf to comply with the laws of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act will result in legal action.
Best Regards,
Your name
Cc: (insert a lawyer's name, Esquire)
[/quote]
Edit this letter according to your needs and send it through CERTIFIED MAIL, Return receipt requested
