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Author: Fuskie Big funky green star, 20000 posts Top Favorite Fools Old School Fool Ticker Guide SC1 Red Winner of the 2010 Rule Breakers Challenge Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308686  
Subject: Re: Collection Agency Update Date: 1/7/2014 2:40 AM
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I don't know if I, or anyone else, has mentioned it yet, but you should pull one of your three free credit reports from annualcreditreport.com. Do NOT go to freecreditreport.com because to quote Admiral Ackbar, It's A Trap!

I would pull one now, say Equifax, wait 4 months then pull your next free one, say Trans Union, and then 4 months and pull your free Experian report. This way you can find out if someone has slapped this debt onto your credit report and then dispute it accordingly.

If you don't have a mailing address for the collection attorney, you can't really do anything if they aren't willing to obey the law. If they actually do sue you and you receive a summons to appear in court, do NOT ignore it. You could be held liable for the debt even if it wasn't yours simply because you didn't show up to defend yourself and the judge is lazy. If you tell them not to call you again and all further correspondence must be in writing and they continue calling, you may want to record the conversations. You could possibly counter-sue for violation of the fair debt collection act.

Fuskie
Who suggests searching the ClarkHoward.com web site for Clark's guidance on dealing with unethical debt collectors...
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