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Hi, I'm trying to help someone who was intimidated into paying a debt collector for months before he decided to go to the police because the debts were not his. Apparently someone opened a credit card account in his name and he made a few payments to the collectors, thinking that he could pay them and it would go away. Actually, I don't know what he was thinking...
My wife and I are trying to help him out by going to the police, filing a fraud report, contacting the credit agencies, etc.
My question is this... We are writing a letter to the collection agency stating that the debt was not his and that he was a victim of identity theft. What are the implications of having already made 3 or 4 payments? Is he on the hook for the rest? Any chance of seeing that money again? How does it work?

Thanks... -E
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