Angie
Brainerd,#2Consumer Suggestion
Sat, March 13, 2004
If you have a letter from them, get the address from that and send them a cease and desist letter telling them that you dispute the debt and have not proven to you you owe it. In your letter, tell them that your letter is a cease and desist letter and send it certified return receipt. Once they have signed for that letter, they can't communicate with you about the debt unless they plan to sue for it. But, before they can do that they have to provide you proof of that debt. When you write your letter, make sure you include that you want no more contact now or in the future from them or any other company that they may choose to try to collect. This does work. My mom was a victim of ID theft, and she did this with the attorney's office that was trying to collect. They thought they could strong arm her into paying this debt. She sent a cease and desist letter and the only time she heard from them was when they tried to sue her by sending a third party server. She then turned around and sued them because they never provided any proof of the debt and ignored her requests. After she filed suit on this attorney's office, they forgave the debt, and also had to sign an agreement that they nor anyone else could ever go after her for this bogus debt again. They were trying to collect on a Providian charge card. Need I say any more. Providian couldn't provide proof either. Send them the letter, and more than likely, they will go away. If not sue them for the violations under the fair debt collection act. Hope everything turns out for you.