You were certain you paid off that old credit card, yet you’re still receiving calls from the debt collector. How do you prove to a debt collector that you’re in the clear?
You were certain you paid off that old credit card, yet you’re now receiving calls from the debt collector. To make matters worse, you’re unable to locate the payment information and have little record of the transaction. How do you prove to a debt collector that you’re in the clear?
For starters, if you’re one-hundred percent certain you’ve already paid the debt then you are not required to do anything. It’s your choice whether to provide the debt collector with information confirming your payments. However, doing so may get them off your back and avoid further collection efforts, such as lawsuits.
If you don’t have the documentation of your payments or letters proving you paid the debt, you should contact the creditor or your bank to request the information. All creditors should have this information on file for several years following the date of the transaction. While you are not required to provide the collector with this information, it may be in your best interest to avoid any future contact.
When you’re responding to the debt collector, it’s recommended that you do it in writing and keep a copy for yourself. Send all communications by certified mail, return receipt or some other method that provides proof of delivery. If you have questions regarding the debt, feel compelled to ask the collector. By law, debt collectors who claim consumers owe money are required to provide certain information about the debt in writing within five days of their first contact with you. This information includes the amount owed, the name of the creditor and an explanation of how to request verification and/or dispute the debt.
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