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

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CC Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Feb-06-08 02:14 PM
Response to Original message
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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  -Credit Card collection tactics kitty44  Feb-06-08 02:03 PM   #0 
  - I would if I were you  ayeshahaqqiqa   Feb-06-08 02:04 PM   #1 
  - I would doubt their legitimacy...  kitty44   Feb-06-08 02:07 PM   #3 
     - Get a Chase number independent of theirs  ayeshahaqqiqa   Feb-06-08 02:16 PM   #9 
     - This is what scares me.  kitty44   Feb-06-08 02:37 PM   #18 
        - If someone has your SS#  Dorian Gray   Feb-06-08 04:07 PM   #24 
     - They may be illigitemate  Dorian Gray   Feb-06-08 04:06 PM   #22 
  - I don't give info unless I place the call, to a # I can verify. (nt)  jtrockville   Feb-06-08 02:06 PM   #2 
  - Don't fall for their tactics......  Missy M   Feb-06-08 02:08 PM   #4 
  - Here ya go.  Gormy Cuss   Feb-06-08 02:08 PM   #5 
  - great link. thanks for posting it. n/t  orleans   Feb-06-08 02:28 PM   #13 
  - do you still ahve the actual card?  northzax   Feb-06-08 02:08 PM   #6 
  - Do yourself a favor and cancel the suckers  Warpy   Feb-06-08 02:10 PM   #7 
  - First write down exactly what time they called  CC   Feb-06-08 02:14 PM   #8 
  - I did pay the amount with another credit card...  kitty44   Feb-06-08 02:21 PM   #11 
     - You were, can you call the other  CC   Feb-06-08 02:32 PM   #16 
        - Too late. They say I can dispute the charge - but not right now.  kitty44   Feb-06-08 02:35 PM   #17 
           - Well you can still document it  CC   Feb-06-08 02:43 PM   #19 
  - Bill collectors are not allowed to call you at work.  RebelOne   Feb-06-08 02:17 PM   #10 
  - from the link from gormy cuss:  orleans   Feb-06-08 02:26 PM   #12 
  - Contacting your boss is illegal.  backscatter712   Feb-06-08 02:30 PM   #14 
  - TOTALLY!  elehhhhna   Feb-06-08 04:07 PM   #23 
  - Credit Unions are wonderful.  mahina   Feb-06-08 02:31 PM   #15 
  - You absolutely do NOT have to pay them then and there.  Akoto   Feb-06-08 02:45 PM   #20 
  - I never, ever pay bill collectors. Ever.  htuttle   Feb-06-08 02:49 PM   #21 

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