7. 7. What if the bill has been paid, I don't owe the debt, or I'm not the person the collection agency is looking for?
If you do not owe the bill, or if the bill has already been paid, send the agency a written explanation along with copies of receipts, cancelled checks and any other information to back up your claim. If you are questioning only a part of the debt, you must make arrangements to pay the rest of the debt.

If you are not the person the agency is looking for, write and explain the mistake. If you are unsure about your legal responsibility for a debt, consult with an attorney.

In these situations, is important to dispute the debt in writing within 30 days after receiving the validation of debt notice. (See question #4). Upon receipt of a timely written dispute, the debt collector must cease collection efforts until verification of debt is mailed to you. In some cases, the collection agency may be unable to obtain verification that you owe the debt and will return your account to the creditor and stop further collection efforts. The agency is not required to notify you if the account is returned.(back to questions)

For assistance with other questions, call 800-957-3328 or Contact Us.