Legal Question in Credit and Debt Law in Pennsylvania

Debt Collection

I recently paid a debt collection

company appx $10,000 for a

supposed debt I constantly recieved

phone calls about. I am not sure

whether I owed all of this money or

not. I was never provided with a

copy of the debt purchase so that I

could see if I purchased anything on

this ''credit card'', as I am unsure if I

had a card under the name I was

given from the debt collection

agency. Recently, I obtained a copy

of my credit report just to find that

this so called credit card and account

number were not listed on my credit

report. The collection agency never

reported it, after all debt was paid,

like they said they would. I reported

this to the Federal Trade

Commission, Better Business Bureau

and the Attorney Generals Office NY,

MD and PA. The company is located

outside of NY. I do not want to feel

forced into suing as I did in making

debt collection payments. But, what

is my other recourse in finding if the

company committed fraud in

collecting monies from me and to

obtain a statement regarding

purchase from that card and to also

get my money back from them if I

never made purchase?


Asked on 8/02/07, 3:37 pm

1 Answer from Attorneys
John Gibson John W. Gibson, Esquire

Re: Debt Collection

Well, once they are paid, it is you suing them to get the money back. That's a little harder than defending a case where they are suing you. It sounds like you had some defenses to the collection itself.

However, you can file an action against them and obtain discovery the same as in any other matter. This would give you some opportunity to discover who the agency is, how they obtained the debt, what purchases were made, etc. providing the collection agency is legitimate and is still in business.

Read more
Answered on 8/06/07, 9:59 am


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