about a month ago I start to get calls from a debt collector wanting almost $700 that I 'owe' to sears.
...
they tell me that I owe this untill I pay them and we will continue to hit your credit untill you pay us.
you cant do that!
we can and we will!
They may do it, but they legally can't - so know your rights! Here are the rules, which I learnt when a crook attempted to use a collection agency to steal $1200 from me.
1. You are entitled to proof that you owe the debt. No proof = no debt.
2. You are entitled to be left alone. One written request by you = no harassment. Continued harassment after that is illegal.
3. You are entitled to be left alone, part 2. No calls to the employer, no calls at strange hours of the day, no harassment of relatives, no threats to sue unless they intend to do so, etc.
4. The collection agencies report to the credit bureaus. The credit bureaus have a strained, at best, relationship with the Federal Trade Commission who basically have the power of life and death over them. This was the breakthrough for me.
So my experience went like this:
- Crook submits bogus debt to low-rent collection agency
- Low-rent collection agency has a conversation with me ending in "It's YOUR credit"
- I pull my free credit report later
- Crook's collection agency shows up on the credit report with an unpaid $1200 "debt" that "customer refuses to pay" and a note that "consumer disputes this"
- I call Equifax who refuse to help
- I call the FTC and file a formal complaint
- Officer Friendly from the FTC has a little chat with Equifax
- I get a letter from Equifax notifying me that the false negative has been removed and we're sorry for the inconvenience, SIR!
- Crook never did get the money he tried to steal
- My credit turned out fine