Legal Question in Credit and Debt Law in New Jersey
I moved into a home where the previous homeowner had a contract with an alarm company. The homeowner prepaid their contract in full and there were 20 months remaining. The alarm company told me I could take advantage of the remaining months of alarm services on the home since it was paid in full and everything was already set up by the previous owner. Then they asked if I would take over their contract and requested my social security number and mailed me a contract. I did not fill it out or offer them any personal information and only gave them my name. I made it clear I was not interested in paying any money or opening up a contract with them or even taking over the previous homeowners contract and only interested in taking advantage of the previous owners prepaid remainder months. It has been 16 months and they harass me on the phone claiming my credit card and bank account information on file is no longer valid, yet I never gave them my financial information. They claimed they had my social and account information reciting the previous owner's personal and financial information (I was given the previous owner's contract at the closing to review in the event I chose to take over their contract with with the alarm company in order to compare). I come to find out they simply replaced the previous owner's name with my name on their system with all of the previous owners contract info. How can they do this and how can I protect myself?
2 Answers from Attorneys
Do you have a copy of the contract? Under the contract, are you supposed to make monthly payments? Feel free to call me for more information. 215-229-4545.
Give me a call, this should be easy to stop. I am right in your area, my office is downtown Hackensack. Let's put a stop to their harassment, and keep an eye on your credit records so they do not cause any harm to your credit rating.
Robert Davies, Attorney 201 820 3460