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Can I deal with the creditor or have to talk to the collection agency?

Date: Tue, 02/05/2019 - 22:33

Submitted by lopezH
on Tue, 02/05/2019 - 22:33

Posts: Credits: [Donate]

Total Replies: 5

Can I deal with the creditor or have to talk to the collection agency?


I got call from a collection agency a few days back. But, I don't owe them money. They said that my debt is with them. Can I talk about the debt from whom I took it out or I have to deal with them who called.


At first, ask for debt validation from them who called. If your creditor has sold the debt to this collection agency, then you'll have to deal and negotiate with them. However, before doing so, make sure the debt hasn't crossed the Statute of Limitations period. If it has crossed, then they can;t sue you to recover the unpaid amount.


lrhall41

Submitted by Craigh.terry on Tue, 02/05/2019 - 23:17

( Posts: 273 | Credits: )


You can talk with them about the debt but it is better to communicate with them in writing. Here's the debt validation letter you can use:
https://community.debtcc.com/letters/debt-validation.html

Send the letter via certified mail and wait for a reply in the next 30 days. Do you know the name of the collection agency?


lrhall41

Submitted by ditchdebt on Wed, 02/06/2019 - 02:52

( Posts: 675 | Credits: )


Are you sure it is your debt? Did you check the SOL? If the SOL is not over, then ask the collectors to validate your debt first. By doing so, you will understand whether or not they are fake.


lrhall41

Submitted by Sanders Patricia on Fri, 02/08/2019 - 05:12

( Posts: 1241 | Credits: )