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Re: Credit Agency Harassing Wrong Person


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Posted by LadynRed (199.91.33.254) on January 27, 2003 at 15:56:41:

In Reply to: Re: Credit Agency Harassing Wrong Person posted by Getting Chest Pains on January 27, 2003 at 15:35:23:

Time to send then a debt validation letter and make them PROVE that the debt actually belongs to your husband. Under the Fair Debt Collections Practices Act (FDCPA) you have the right to dispute the debt and they must provide proof that its his. They are also supposed to cease all collection activity, including harassing phone calls, until they validate the debt.

You can find validation letters at WhyChat's site, at Creditnet (www.creditnet.com) and at www.creditinfocenter.com. The last has a full explanation of how debt validation works.

For now, I'd get an address on these slime and send them a Cease and Desist letter (certified, RRR) and you tell them not to contact you by phone ONLY by mail. You can add that last to your validation demand letter.


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