Dealing with Debts that Aren’t YoursSo what can you do if debt collectors won’t leave you alone about someone else’s debt? Pursuant to the Fair Debt Collection Practices Act, you can take action:
- Review your credit report. Make sure your identity isn’t being used by anyone other than yourself.
- Send the collectors a letter explaining why you are not responsible for these debts and asking them to stop contacting you.
- Request written proof that you are the one who owes these debts. If the collector is unable to prove that you owe the debt, you may never hear from them again.
The attorney at Raxter Law is able to assist you whether you owe a debt or if you are being harrased by a collector for a debt that isn't yours.