Rachel
Williamson,#2Consumer Suggestion
Thu, June 05, 2008
You need to write a letter of dispute...don't expect a refund after all that. Send it asap, they cannot call you and cannot go on your credit report. Find out what the statute of limitations are for debt in your state. After those number of years have passed, they cannot sue you. If they(same co) continues to harass you you can sue them. If it goes to another debt collector...do the same thing with the letter of dispute. Google Fair Debt Collection Practice Act and find out your rights!