If a debt collector contact you about a debt knows that you should not, explaining that his case could be a battle uphill.
If a case of mistaken identity, an honest error or identity theft, justices of the Better Business Bureau taking five steps to combat bad debt collectors.XML
According to a report, the 2010 FTC received 119.364 complaints about domestic debt and third-party collectors.XML last year, up from 104.766 in Mississippi River 2008 BBB service has handled almost 300 cases against collection companies in the past two years.
Rage.Besides complaints of harassment and intimidation tactics, the most common problem that complained about is that Web-based business are being contacted about debts didnt say incur.
Be erroneously associated with debt can result in damage to your credit and reputation.A recent example, the FTC reached a host in a settlement of $ with collection Bureau credit on allegations that the Agency violated collection million federal for erroneously reporting credit information act and to put pressure on debts that often the Web-based business must not.
"Can be an easy to directly set the registry in a debt that you really shouldn't," said Bill Moak, President of the BBB serving Mississippi."Due to debts are often sold and resold to many agencies of different collection over time, perhaps need to the same case every few years, when the debt trading hands again."
If you are getting calls from a debt that you should not, may be a case of identity equivocada.Constantly.Perhaps share the same (or similar) name, or even inherited an old phone number of the person who really has the debt.
Could also be the victim of "zombie debt-it could be that you paid the original debt but Texan registered as paid, or has expired the Statute of limitations on debt and the debt collector is trying to make you pay for a debt which can no longer envelope will be taken to the Court."
A final common cause of being pursued by a debt which does not need is fraud. It could be that it has become a victim of identity theft and someone is opening new lines of credit or purchase items using his good nombre.Además, "debt collector" call to could actually be a thief identity is trying to get you to disclose personal financial information, such as social security, Bank and credit card numbers.
(2 of 3)If you are being pursued by a debt I do not think that you owe, judges BBB bearing the following five steps:
1 Ask for written proof of the law deuda.Por, a debt collection agency must provide a validation within five days of notice of contact you about the debt.If you would like to obtain verification of the debt, send a request in writing to the collector of debt within 30 days of receiving notice of validation.
This written test can help you determine if callers are really identity thieves, or, if you really have deuda.Una time that has the name and the contact information for the Agency confirm are a legitimate debt with your BBB in ms.bbb.org collector.
After confirming that you do not have debt, the debt collector advise not debt and ask them to stop contacting you (see step 4).
2 Correct errors.In confirm that do not have debt, you might want to correct any incorrect presentation related to debt captured in your credit report.
Please contact the company that has provided information to the Office of reporting by writing a letter detailed e include copies of relevant documents to support your case.The FTC provides additional information about how to report on mistakes at http://www.ftc.gov/.
3 Discard errors and fraudes.Compruebe your credit report with the three major credit reporting offices, Experian, Equifax and Transunion annually visit http://www.annualcreditreport.com/.
If it has been the victim of theft or identity fraud may also be eligible for view form reports gratuita.Al keep a close eye on their credit reports, you can identify errors or fraudulent activities and do corrections before the next call of more quickly.
4 Inform to cease contact usted.Conforme federal law, a debt collector can no longer contact you at work or casa-si say to stop.
After you confirm that does not owe the debt in question, can stop all contacts of debt by sending a letter (on registered mail) to the collector of debt collection company advising them to cease contact.
(3 of 3)A copy of the Charter and the return for purposes of verification. any additional contact you from debt, selector receipt except to advise you that there will be no other contact with or to inform you that the Agency is presenting a legal action, is a violation of the fair debt collection practices Act.
5 File a complaint with the Federal Commission of comercio.Familiarícese with consumer protections for the FDCPA.
That debt collectors.XML rules may not make false or deceptive claims and must investigate the validity of a dispute over a debt are incluidos.Si a debt collector viola law, inform the Agency of the federal Government FTC them, monitoring it of debt collection practices justas.También should file a complaint with the BBB in ms.bbb.org.
For more information about taking control of your debt and effectively manage credit, withdraw simplify the BBB of Managing Credit-Made in www.bbb.org/credit-management/.
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