What if I don’t owe the debt?

Because debt collectors frequently operate without the original account records, it is not uncommon for them to confuse identities or to demand debts that have already been paid.  If you believe this has happened to you, you should write the debt collector again (certified mail, return receipt requested) explaining that you have never had the account or that you already paid the debt.  If you have proof of payment, include it with your letter.

Make sure to save copies of everything.  If the debt collector closes the account, make sure to keep the letter somewhere safe.  It is not uncommon for them to sell the account to another debt collector after telling you it has been closed.  If the debt collector will not stop or if you are being sued, contact an attorney.  If you are a low-wage worker, you can contact our office at no charge.

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