If this is truly not your account, then you may have a Fair Credit Reporting Act claim against this company. I would first dispute the account in writing with the credit bureaus (via certified mail return receipt requested) and advise them that this a fraudulent account. I would then contact a consumer protection attorney in your state if the account is not removed within 30 days. Good luck.
I don't understand why you went in there in the first place but if I were you , I would show that letter to a consumer rights attorney as soon as possible as it sounds like the letter itself may be in violation of the FDCPA. Violations of the FDCPA can lead to damages of $1000 plus attorney costs.
Can you tell us when exactly you bought this vehicle? Do you have your purchase agreement? It sounds like you may have purchased this vehicle on the word of the salesperson that it was new, however the purchase paperwork would have told you if it was used or new. As far as I've seen at auto dealerships, new cars have a factory sticker on a window showing all relevant information about the car. Did your car have such a sticker? This would be a red flag that your car was not in fact a new car....
I'm not sure what you are asking; do you mean is it safe to release your bank account number to the bank? Can you clarify please? Additionally, I would make sure the settlement letter has everything you and the agency agreed to explicitly stated.
First of all, depending how much money is involved, it may pay for you to file a simple Answer to the complaint instead of settling. This will have the effect of stopping the case because there is a tiny chance for the JB to prove their case in court. You may be able to find a draft somewhere online.
Be that as it may, I would ask for complete removal of the item from your credit report if they have reported it. Meaning, you don't want a "settled" notation on your report. I would also have...
Unfortunately, by making payments on the debt you have in all likelihood restarted the SOL. However, if the collection agency was in violation of the FDCPA you may be able to take legal action against them. I suggest you immediately contact a consumer protection attorney in your state.
You definitely have the right to have a 3rd party present during the walk-through and in fact, in your situation, I would highly recommend it. I would explain beforehand to the tenants that someone else will be present as well so they are not incensed when they show up. I also agree that the walk-through should not take place until after the tenants move out.
HI, There are ways to remove negative remarks from your credit reports if they are in some way incorrect. Ordinarily the easiest method is to negotiate removal into your settlement. There are methods available online or you can contact my office to discuss.
If you have sent written disputes to the collection agency and they have continued collection activities without verifying the alleged debt then you may have grounds for an FDCPA lawsuit. Additionally, if they are reporting the debt incorrectly, you may be able to sue them in your local village court to remove the items.