How to take action on a debt you do not owe

Posted at 8:19 PM, Mar 12, 2019
and last updated 2019-03-12 21:19:02-04

MILWAUKEE -- Are you getting harassed for a debt that you do not owe? Well, there may be a few things that you can do to get the calls to stop.

Some calls or correspondence for a debt could be legitimate. But, if you are getting harassed for something that you do not believe you owe, here is how to take action:

Do not be intimidated by these calls, or agree to anything until the debt collector proves to you in writing that you owe this debt.

Ask for their name, company’s name and the street address of where you can send a letter to request proof of the debt and to dispute it.

And, tell the debt collector to stop calling you until they have provided this proof in writing.

A reputable company will treat you respectfully, follow the rules of the Fair Debt Collection Practices Act and will provide information on how to contact them to dispute a debt.

But, it is also a good idea to check things out on your own by searching for information about the reputation of the debt collector with reputable consumer agencies, and contacting the original creditor if possible to look into the debt on your own.

If you get notified in writing that you are being sued, take action immediately.

There is a limited time to respond and defend yourself, so you might also want to contact a lawyer or get help from a reputable, non-profit consumer credit counselor.

If you believe that the debt collector is harassing you and violating fair debt collection practices, you can get help by filing a complaint with Federal Trade Commission or the Consumer Financial Protection Bureau.