I received a letter today from Ken Hughes, stating that a person by the name of Jennifer Kahler (I have no idea who this is) at my address is in default for a loan originally held by Sears for 1,532.15. MCG is saying that they are collecting this debt on behalf of their client Genesis Financial Solutions. I am so glad that I Googled MCG before calling the number! I can't believe all of the complaints! I am definitely not calling these scumbags.
I know that most of the posts recommend sending a cease and desist letter, but since the debt is not even in my name, I am concerned that by writing MCG, then they would have MY name. I have checked my credit reports and it is clear. I have excellent credit, and this chick named jennifer is not appearing any of the big 3. So far, no calls have been made, so maybe they truly are looking for this Jennifer person, and have the wrong address.
Should I write to them anyway, explaining that they have the wrong person? Or just ignore the letter, and hope that this will not affect my credit? I am concerned that they may have my SS # and other information, like others have said in the posts.
Any help is greatly appreciated, maybe this is new tactic for Mr. Hughes? Jerk.
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