The company in question is Simon & Schusters Pimsleur . I purchased a cd from them over 4 possibly 5 years ago. And they are now just reaching out to me. I was digging through my old email address which I now junk mail only email and saw a notice on debt. They said if i dont contact in 10 days it may result in collections.
The first time they contacted me was Oct 2016, again in Jan and twice this month March 2017. I don't recall having a debt, but many have posted about their trial cd "scam". However I don't know how to verify because its been so long.
I have been working on my credit so a ding cannot happen , but i dont want to hand over money if i dont know why. Or if this is a scam. Why would they wait so long? Can they actually do anything about it?
I can provide a copy of the email send if needed. Advice on how to approach the situation would be great! Thank you
How much can a CD cost? You might want to just pay the bill and move on. Handing over money if you don't know why? You purchased a CD. You apparently did not pay for the CD.
A "dunning letter" is a piece of correspondence from a debt collector. Most dunning letters are sent through the mail. Anything sent by email, that does not come from a business that you recognize, is suspect, and should probably be ignored. Check your credit reports if you are concerned about negative credit items. I am guessing that this particular "debt" does not appear.
This answer is for general information purposes only and is not legal advice. No attorney-client relationship is intended or formed by the posting of this answer. Law Office of Lisa J. Espada * San Francisco, CA *
If they are claiming you breached a contract they have 4 years to file a lawsuit against you and if they don't do it within that time period you have a defense against it. The problem for you seems to be you don't want any dings against your credit. It is good for you to keep your credit clean so you might consider paying them if the amount is very small. Swallow hard and do it - but if the amount is more than you want to pay you can just fight them. You might see if there are any blogs out there where people are talking about this because if you can join in with others similarly situated it could save you lots of money and have a lawyer on your side. Good Luck.
If you think it may be a scam you may want to check California's secretary of state website and search for the company. If they are an actual company they should appear in your search results and if they do, there usually is contact information. You may want to contact them and have them send you in writing the amount they say you owe. If it seems there is some sort of small debt you owe and you can verify that, then it may be best to pay if off to preserve your credit score.
Please note: I am a licensed attorney in California. This response is intended only as general commentary. This response is not legal advice and does not create an attorney client relationship.
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