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Yes. You could raise both a tort claim and a claim under the Fair Debt Collection Practices Act and Fair Credit Reporting Act if they were to wrongfully pursue for an improper debt.
To do so, it is important that you create a paper trail.
You should send a denial of the debt with copies of your documentation to the company.
This should be sent via Certified Mail, Return Receipt Requested, so you can prove they received it.
If you are sent to collections, you should immediately respond with a written demand to "verify" the debt.
This is required under the FDCPA. Collection efforts must cease until the send you the written proof of the debt.
If they don't respond or otherwise harass you for payment, you can file a complaint with the Federal Trade Commission, which enforces the FDCPA.
You can also sue under FDCPA for violations. The FDCPA provides for a $1000 civil penalty payable to you and requires the collector to pay your attorney fees and court costs, if you sue and win.
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also i live in NJ, is there a law about recording phone converation without my knowlage ? they have recording of me telling them i would pay for this services, but i also state they needed to invoice me and be paid in 2011? none of this was done so i never even thought i was in contract with them? now thay are harassing me for this payment claiming its due them. i have spent already 10 hours talking and emailing them for something i never fullly approved?
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