FDCPA Claims Occurring from Debts that are not Your own
Do you have a FDCPA case if a bill collector tries to collect a debt that does not belong to you?
On a daily basis, debt collectors work with electronic files. Many people have found themselves talking with a debt collector regarding a debt that is not even theirs. There have been instances when a person’s social security number, date of birth and name has been wrongly linked with a debt.
There are many reasons why this can happen; for instance, a person who is a victim of identity theft. Another reason would be a debt that you have paid several years ago is entered into a system as an unpaid debt. Regardless of the reason, you are not responsible to pay off a debt that is not yours.
Under the FDCPA, you can actually collect damages from a bill collector who continues to contact you about a previous debt after you have contacted them about the mistake. Make sure that when you contact the bill collector about the mistake that you also write a letter about the mistake and include proof of payment. If you do not have proof, there could be a possibility that you may owe the debt. There have been situations where a person has forgotten about a particular debt.
When you find yourself receiving letters and calls from bill collectors that are for mortgages, gym memberships, card payments, medical bills, or Buy Here Pay Here car loans that are not yours, contact a qualified FDCPA attorney immediately to get the bill collectors off your back, and find out if you are entitled to legal recourse for damaged rendered against during this process.
