People, it is nearly impossible to report to Credit Bureaus without your social Security number. Also, we know they are being reported to a lot different Attorney Generals; so how is it that they are threaten to report you to the Attorney General? They are using scare tatics to have you pay. They have no case at all, and they can't report you either. Lastly You do actually believe you can report to the Attorney General for not paying a magazine subscription? No collection ever threatens customers with that, because the Attorney Generals office would laugh at them!
So they are just harrasing you don't worry about it. Just send a letter like this!
Date
XYZ Collection Agency
123 Debtor's Way
City/State/Zip Code
RE: Account Number 1234567890
Dear Sir/Madam:
I am writing to demand that you CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced debt. I refuse to pay this debt (optional).
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c (c). All collection activity on this account should cease, and no further communication with me shall be made absent a letter:
Informing me that further efforts to collect this debt are being terminated;
informing me that you may invoke specified remedies which are ordinarily invoked by you under these circumstances; or
informing me that you intend to invoke a specified remedy.
Please be advised that your failure to comply with my requests may lead to liability under 15 U.S.C. 1692k, and I may be entitled to actual damages, court costs, attorneys fees, and up to $1,000.00 in statutory damages.
Thank you for your prompt attention to this matter.
Sincerely,
Your Name
Address
City, State, Zip
Good luck everyone!
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