You likely know that a debt collector could come calling if you fail to pay what you owe, but what you may not know is that a debt collector may come calling for someone else’s debt. Sleazy debt collection tactics prey on unsuspecting, and innocent, individuals who feel they have no recourse but to pay a debt that isn’t theirs in order to make the collection calls and threats of legal action stop. As a single mom, you are even more vulnerable to these attacks.
Debt collectors may call you demanding that you pay a debt that is not yours. No matter how much you insist the debt is not yours and ask them to stop calling, they will continue. The only way to make this stop is to send a letter in writing asking for proof that the debt is, in fact, yours. If they fail to provide that proof, they have to stop calling. If they continue to harass you, you have the right to sue. You should also file a complaint with your Attorney General’s office to get the government’s help in stopping these actions.
Sometimes, however, this does not stop the calls, because the debt will be sold to a different debt collector. When the calls start again, you have to send the letter again. Remember, you should never pay a debt that is not yours, and you should have written proof from the debt collector before you fork out your hard-earned money to pay something that you do not actually owe. If we all start taking a stand against these unscrupulous debt collection tactics, we will be able to get them to stop eventually.
For more information please visit www.singlemomfinancialhelp.com/