Keep records of every single telephone call or correspondence
sent by the debt collector to you with the date, time, and individual you spoke with.
Not exact matches
When you make a
debt validation request, you're asking the
debt collector to
send proof that the
debt is yours and that they're authorized
by the original creditor to collect that
debt from you.
Watch out for the
debt collector's response as they may
send you a letter requesting you «help» them resolve the matter
by you
sending any documentation you have to prove the account belongs to you.
Debt collectors have harassed bereaved families
by sending collection notices indicating that the surviving family or executor «must» pay the deceased borrowers credit card bills and other
debts.
Answer: If you don't owe this money,
send the
collector a letter
by certified mail, return receipt requested, stating that the
debt isn't yours and that you don't want to be contacted again.
If a
debt collector believes that you owe money, it may begin an arbitration proceeding against you
by sending you an arbitration notice in the mail or through a delivery service.
The healthcare industry is the single biggest customer of the
debt collection industry, constituting 42 % of the collection market, versus only 29 % for the banking & finance sector.34 One stunning statistic from a 2003 Federal Reserve study is that over half of accounts reported
by debt collectors and nearly one - fifth of lawsuits that show up as negative items on credit reports are for medical
debts.35 Moreover, often medical
debts are
sent to
debt collectors for reasons completely out of the consumer's control, such as disputes between insurance companies and providers, or even the result of the provider's failure to properly bill the insurer.
Executors and family members can block
debt collectors from harassing them
by sending them a cease and desist letter or hiring a lawyer and directing all calls to the law office.
I assume that
by «
sent to collections» you do mean passed on to a
debt collector.