If you are getting hassled by a debt collector for a debt that you do not owe, there are a few things that you can do to get the calls to stop.
Most of us do our best to pay our debts on time or work out a payment plan. But, getting calls from a debt collector for a bill that was paid or that we may not owe, can be very aggravating.
If you are being hassled for a debt that you do not owe, there are several things you can do.
Tell the debt collector to send you written proof to verify the debt, and to stop calling.
It is also important that you get the name and address of this collector so that you can a dispute the debt in writing within 30 days of being contacted.
Keep copies of all correspondence and send your letter via certified mail so that you have proof of the dispute. It might also be a good idea to check your credit report with the three major credit reporting bureaus, Equifax, Experian and Transunion and file a written dispute with them as well.
Keep in mind that there also scammers who pose as debt collectors. Do not provide any personal information nor payment until you can check things out.
If the debt collector becomes abusive, refuses to provide information in writing, or will not work with you to get things resolved, file a complaint with the consumer financial protection bureau.
Their site also has some sample dispute letters and other great sources for dealing with debt collectors and other financial matters.
