Legal Question in Credit and Debt Law in Pennsylvania

Dispute the claim in writing by receipted mail.

Write to them, return receipt, disputing the claim. Wait for their response. If they put it on your credit report or if they proceed further, post another question or email me, or contact another attorney.

Without looking at this, this might be some kind of a scam or solicitation. I had some elderly clients who received a letter with an amount owed that bore no relation to their debts. At first glance when I saw the letter, I thought it was from a debt collector, but it was only after reading the fine print that I saw that it was a solicitation from a debt settlement company. The whole thing was sleazily done.

Anyway, without looking at the document, its hard to say. If it is from a scam company, then you can ignore this. However, if it is from a legitimate debt collector, I would dispute this in writing. If you feel confident, then do it yourself. Dispute the debt and send the letter via some method by which the letter can be tracked. Make sure you include the name of the current and original creditor, full account numbers and their reference number in the letter. Don't tell them the debt is not on your credit report. Just say that you do not believe that you owe the debt as you have never had this account and that you want validation.

I will be happy to do this for you for a reasonable fee. Please contact me at [email protected] if interested.