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Reply #8: First write down exactly what time they called [View All]

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Home » Discuss » Archives » General Discussion (1/22-2007 thru 12/14/2010) Donate to DU
CC Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Feb-06-08 03:14 PM
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8. First write down exactly what time they called
and what was said. Also ask your boss to write down when he answered the phone. Write down that you requested something in writing. Then put it in order and add to it if they contact you again. Tell them they are not allowed to contact you at work.
Since you never knew of the charge and the card company never contacted you about them before now they did not do what they were suppose to to collect. Find you states attorney general website and see how to file a complaint through them. All the above is if it is a legitimate claim but also works if it isn't. In case it isn't I would put a credit freeze on my credit reports. You states attorney general website should have information on how to do that too.

Many collection agencies count on you not knowing the laws they have to follow to get your money from you and will use scare tactics and demands like they did you. It is not legal and they know that but very few people know that or look into it.

If you feel you really owe the money then you can offer to pay it but only through your card issuer and with proof it is owed. Include that with any letter to your attorney general. Also you should cancel any cards you do not plan on using. Keep those you know you might use and can check on regular.






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