Perhaps a letter threatening to sue them may be helpful. See below.To Whom It May Concern:
re: (name, account #, etc)
I have been receiving debt collection attempts from your company for the debt allegedly owed by me from (describe nature of debt). I dispute the nature of this debt.
Demand is hereby made that you cease and desist - now.
If you continue on, then I will have no choice but to seek redress under the Fair Debt Collection Practices Act for the following violations:
15 U.S.C. § 1692f(1) (seeking unjustified amount)
15 U.S.C. § 1692e (threatening legal action without cause)
15 U.S.C. § 1692e(8) (threatening or publishing false debt on my credit history)
Every violation is $1,000 per incident, plus legal fees.
I now consider this matter concluded. Should you contact me again, I will seek counsel to file an FDCPA claim in federal court.
Now, FDCPA is created to have collection agencies not harass individuals. See here. What they have done here is not a violation of FDCPA per se, See here:
However, considering that (a) they cannot file suit anyhow, and (b) the debtor will seem aggressive and may actually cause legal trouble, they are much more likely to simply bin the file and forget the matter.
Note that the letter does not reflect WHY the debt is disputed. Simply that it is. The point is to send a message: "I"m crazy and I may possibly pursue a civil claim under FDCPA. Stay away!"
This normally helps.
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