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false debt Archives - Fair Debt Collection Help

17 Dec

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When a Paid-debt Resurfaces

December 17, 2013 | By | No Comments

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 debtthat 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.

Photo By: Images of Money

 

19 Jun

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8 Ways to Avoid Identity Theft

June 19, 2013 | By | No Comments

Identity theft is a booming problem that affects more than 10 million Americans per year leading to debt and financial disparity. But there are several ways to avoid having your identity stolen, and here’s how:

Man at ATM inserting his bank card

photo by: thinkpanama

  1. Guard your PIN. It sounds simple, but watch peering eyes while you’re visiting ATMs.
  2. Enter information online cautiously. Be sure a website is safe and secure before entering any credit card, bank, or other personal information. If you have any doubt, call to confirm it’s the right website.
  3. Keep your social security number safe. Don’t carry around your card unless necessary, and be cautious of who you give your number to.
  4. Protect your mail. Heading on vacation? Stop your mail to avoid any mail theft. If you’re moving, be sure to forward your mail to your new address.
  5. Shred your documents. Prevent thieves from attaining your personal information in your trash.
  6. Have a prepared list of your account numbers and expiration dates. If your wallet or credit card does get stolen, you’ll be able to immediately call your banks and lenders to freeze them and get a new card before a thief gets a chance to act.
  7. Use a strong password for accounts. While it may be easier just to use a simple password for everything, use a strong password that wouldn’t be easy to guess. Use a mix of capital and lowercase letters, numbers and symbols.
  8. Review your credit report. Check your credit report and credit score often to monitor for any suspicious behavior or inaccurate information.
  9. If a debt collector has been contacting you because of false debt from identity theft and has violated your request that they cease contacting you or is otherwise violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online for a free FDCPA case review.