Getting Rid of the Debt Collectors
Filed under Identity Theft
What you should know:
The law says that if you write and ask a debt collector to leave you alone, they have to. Well that was easy! After that, all they can do is contact you to tell you they aren’t going to contact you anymore (which is kind of amusing), or to tell you that they’re going to take some specific action.
What you should do:
On the off chance that that specific action might be something unpleasant, it’s best to write to the collection agency—within 30 days of receiving their notice—and tell them that you don’t actually owe the debt. Explain about the identity theft, and include any documentation.
What they have to do:
In order to keep bugging you, they need to provide you with proof that you do owe the debt. Often, your debt will just be referred back to the original creditor.
What you should do then:
Getting rid of debt collectors doesn’t get rid of the debt.You still need to contact the creditor and deal with that little detail.
