They refuse to send anything in the mail to take care of payments. Cannot confirm who they are, and claim to have no billing department even though they are a collection agency. Refused to send anything in writing to prove I owed them money, and now after they refused that payment method, they will not remove negative reports from my credit.
They say I owe $1525. My credit report my bank gave me says I owe $1755. The collection agency says they sent the bill atleast 3 times. I have never received a bill or paper work to set up payments. They want me to do it over the phone in automatic payments or one lump some. My Insurance company never received a bill from them either.
So, to your knowledge, YOURS, not what a credit report says, or what a bill collector says, do you owe an unpaid debt? You mention an insurance company, is this health insurance? Auto insurance? What? If you do have unpaid bills, that you know are owed, you need to address that problem. That does not mean a debt collector is who you should pay, but that depends on what is going on here. You could owe a legit debt, but that does not mean the debt collector calling is legit. I am bothered about not seeing paperwork.
By Law, you have to be informed of the debt, by mail, not by phone, not by e-mail, fax or pony express. Until that has happened, do not be setting up payment plans.
I am sending a link that should give you some help to start with, but it is hard to give much guidance without knowing more. The credit report need to be figured out too. Get back to us in this thread.
See this Link: http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know