Misty
Phoenix,#2Consumer Suggestion
Mon, January 19, 2004
You should definately dispute the "new contract"!!! What happens is this: you send a formal letter of dispute stating you never agreed to a new contract and that this "new account" is NOT YOURS. By law, they have 30 days to respond to your letter. Normally, you will receive something saying they are researching your claim, or it will simply state that your account was "verified" (BULL!. They "verify it" by looking at their computer screen, not a signed document. At this point, you send them one more letter stating you still dispute the debt and they need to provide you with PROOF of the debt. They must now provide you with a copy of the documents YOU SIGNED. To simply say their computer tells them it was your signature is NOT ENOUGH! If, in 30 days, they do not provide you with copies of this "missing" document, they must BY LAW cease all effort sto collect on the debt and remove it from your credit report! Don't take this lying down, FIGHT BACK!!!! <
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