Legal Question in Credit and Debt Law in New Jersey

account sold to collection agency
my sears account has gone to a collection ageny and i can not find out what it is about. I have written letters and no one will tell me what was bought and when, not even sears. I did not recieve a bill or late notices. If it is mine I will pay it.what do I do to get this infor.

Asked on 1/14/09, 6:09 pm

2 Answers from Attorneys

Tina Amodeo Law Office of Tina Nielsen Amodeo, LLC

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Re: account sold to collection agency

Disclaimer: By reading this response you understand that I do not represent you and that unless you enter a formal retainer agreement with me, I do not represent you nor does it establish an attorney-client relationship between you and me. This answer is given to you for informational purposes only and you are advised to formally retain counsel rather than rely solely upon the information provided in this communication.

Answer: Any communication from a debt collector should include required information regarding your rights and the Fair Debt Collection Practices. Part of what the notice needs to say is that you have a certain time period to contact them and let them know that you dispute the debt. They are then required to send you the name of the original creditor (if different than who they are) to verify the debt. If you never owed Sears any money, you need to communicate with the debt collector according to the instructions on the notice. If that time has passed, you need to contact them anyway to dispute the debt if it is not yours or even to determine if it is yours. If they cannot verify the debt to you, they cannot continue with their debt collection. If this does not resolve your problems, you may want to then contact an attorney.

Answered on 1/15/09, 2:51 pm

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