DO NOT ADMIT ANYTHING TO THE DEBT COLLECTION COMPANY.
DO NOT GIVE THEM ANY INFORMATION.
DO NOT SPEAK WITH THEM.
You HAVE TO Tell them you HAVE NOT RECEIVED ANY LETTER,
The reason for this is that, if you admit to receiving the letter, then the clock has started for your 30 day response to the DEBT. If they don't hear from you within 30 days, then the debt is considered valid by the Fair Credit Reporting Act or something like that. This means you will likely have to repay the debt or hire an attorney.
You can ask them to send another letter of confirmation by mail, and to Please also put in any quesions they might have for you so you can reply by mail.
GOOD LUCK
Jim
Says he wants the last four of your social security to confirm it's you. DON'T GIVE IT TO THEM. They say they have a personal business matter they need to discuss with you and that they have sent a letter to your home address, and ask if you have received it. they probably have sent nothing, as is the usual standard, but claim they do mail out letters. In any case do yourself a favor and tell them that you prefer to do all correspondence by mail. And that you can not give them the last four of your social security for protection. They will claim that no one can do anything with your last four social security numbers, but they are lying to you, as if someone has a lot of your other info, like date of birth, full name, name of your mother's maiden name, your address, and all they need then to confirm that they are you is something like the last four digits of your social security number.
TELL THEM YOU PREFER TO CORRESPOND BY MAIL. TELL THEM THAT YOU HAVE RECIEVED THEIR LETTER AND TO FORWARD ANOTHER LETTER FOR CONFIRMATION AND TO ASK ANY QUESTIONS IN THE LETTER SO YOU CAN RESPOND IN WRITING. THEY ARE NOT ALLOWED TO ASK CERTAIN QUESTIONS, SO THIS LIMITS WHAT THEY CAN GET ON YOU.
Good Luck
CORRECTION TO BELOW ADVICE.
You HAVE TO Tell them you HAVE NOT RECEIVED THE LETTER, The reason for this is that, if you admit to receiving the letter, then the clock has started for your 30 day response to the DEBT. If they don't hear from you within 30 days, then the debt is considered valid by the Fair Credit Reporting Act or something like that. This means you will likely have to repay the debt or hire an attorney.
You can ask them to send another letter of confirmation by mail, and to Please also put in any quesions they might have for you so you can reply by mail.
GOOD LUCK
Jim
DO NOT ADMIT ANYTHING TO THE DEBT COLLECTION COMPANY.
DO NOT GIVE THEM ANY INFORMATION.
DO NOT SPEAK WITH THEM.
You HAVE TO Tell them you HAVE NOT RECEIVED ANY LETTER,
The reason for this is that, if you admit to receiving the letter, then the clock has started for your 30 day response to the DEBT. If they don't hear from you within 30 days, then the debt is considered valid by the Fair Credit Reporting Act or something like that. This means you will likely have to repay the debt or hire an attorney.
You can ask them to send another letter of confirmation by mail, and to Please also put in any quesions they might have for you so you can reply by mail.
GOOD LUCK
Jim