Legal Question in Credit and Debt Law in North Carolina
Copy of Receipt for 'Suppossed' Co-Signed Finance Agreement
My girlfriend is being hounded by creditors for some furniture she apparently co-signed with a previous boyfriend. She doesn't recall co-signing anything and has requested a copy of the contract she suppossedly signed. She has received nothing but the run-around from the furniture store and they even told her she needed a subpeona in order to receive a copy of the contract.
I would think that because she suppossedly co-signed this contract that she should be entitled to a copy of it without having to get a subpeona. I'm I wrong on this? If she doesn't need a subpeona, what's the best way to cut to the chase and let the furniture store know she means business.
If it turns out she didn't co-sign the agreement, what's the best way to go about getting the creditors off her back?
1 Answer from Attorneys
Re: Copy of Receipt for 'Suppossed' Co-Signed Finance Agreement
She needs to send the furniture company a letter (pay extra for delivery confirmation service) denying that she owes the debt and requesting a copy of the contract, along with a record of all payments and credits made. She can also request that the company stop calling her on the phone at home or at work. If the furniture company is actually her creditor, they do not have to stop calling her, but it helps to confirm it in writing. (Collection agencies have to stop making phone calls after you ask them in writing to stop - a "cease and desist" request; the original creditor usually does not.)
If this does not work, she should contact an attorney for additional advice and help.
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