I had a Fingerhut account years ago that I failed to pay at the time. Then about two years ago I paid off my balance and everything was okay.
A few weeks ago I get a letter from the Law Offices of Mitchell N. Kay stating that I owe $374.54 to Fingerhut and that if I dispute this debt I am to write them within 30 days of the date of the letter. So I typed out a letter asking them to mail me proof that I still owe this debt. I told them that if they can produce proof of the debt for me, I will make the necessary arrangements to pay off the money I owe. But if they cannot find proof of this debt, to please remove my account from their files ASAP.
I just recieved their reply. They agreed to close my account info from their files. So I guess they could not find proof of my debt.
I just want to warn others, if you recieve a letter from Law Offices of Mitchell N. Kay about a Fingerhut debt you know you paid off or never even had, exercise your legal rights and request proof of your debt in writing to them within 30 days. That is very important! If you fail to do that then you might be putting yourself in a very bad position later on legally. So make it easier on yourself and take 10 minutes out of your day to request proof. Make photocopies of all corrospondance between you and the law office as well. I personally have made a few photocopies of the first letter they mailed me, the request letter I mailed them, and the final letter they sent to me recently.
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