Credit Issue, Sort Of

If all they are doing is mailing you letters and there are no harassing phone calls, just let them keep wasting their postage.

Have you checked your credit history to be sure that they have not posted anything on it? That would be cause for an attorney, IMO.

They may be just trying to intimidate you into paying them even though you are clear.

 

Don't provide that information, it might be a way for more problems.

This is a good question to ask here link as I am sure others have been in this situation and would benefit from a recommendation.

 

Something doesn't ring right.

A collection agency would not need the information that you are stating. This might be a fishing type scam that presents itself like a collection agency.

Tread carefully.

 

Let them sue you, I think any judge with half a brain would throw that case out of court.

 

I would notify the debt collection company to stop contacting me regarding this supposed debt. Let them know that any further contact will be in violation of the federal Fair Debt Collection Practices Act, and further violations will be reported to the FTC and DA. Do this especially if they start calling and harassing you. As others have said, I would try and contact the original vendor and tell them to withdraw this claim, since they have been provided proof that it was fraud. If necessary, threaten them with legal action. Sometimes, being nice won't cut it, and you have to get in somebody's face.

I don't know how much that will help, though. I know this isn't the case with your situation, but often old debts that the original vendor has given up on collecting get sold for pennies on the dollar by these borderline scam companies who just try to squeeze any money out of the sucker...err, debtor. Often, the original vendor has no idea what is being done in their name.

 

Contact the person who keeps doing it and demand for them to stop sending all notifications until they can prove you owe them the money (which of course they can not) after that they start eating a huge fine eat time they contact you with out the proof.

 

Provide the collection agent with the info again, tell them when you notified the vendor of the stolen checks ... and if they keep contacting you file a small claims action for violations of the credit collections act. aka, the threat to sue.

They cannot threaten legal action, unless they are prepared to sue.