Legal Question in Credit and Debt Law in Utah
Alleged MCI-Worldcom Debt
For several years, I have received calls from collectors about an alleged, outstanding debt to Worldcom regarding cell phone service. There's been nothing in writing. In 2003, I contacted Worldcom directly. The said that the debt was probably erroneous and was supposed to be a part of a ''bad debt write off''. They said they would report a credit adjustment on my behalf and gave me a reference number. There was nothing in writing, just the phone call. In 2004, I recieved a call from another collector about the same issue. I sent them a letter with the Worldcom adjustment and reference number info included. Like the others, there was no response. Today, I was contacted by, yet, another agency trying to collect on the same debt. They were more threatening than all of the others. The debt is for $304.00. I've never had a cell bill that high, and I've been given no written explaination for the charges. I don't want to have to pay somthing that I don't really owe, and that was supposed to have been handled already. What should I do?
1 Answer from Attorneys
Re: Alleged MCI-Worldcom Debt
Tell the collection agency in writing that you want proof in writing of the debt, and the agreement creating the debt; tell them also to not call you, only contact you by mail. Tell them that if they report the debt to a credit reporting agency without absolute proof of your debt being valid that you will sue them for violation of the Fair Debt Collections Practices Act.
Worldcom, or the bankruptcy court, sold the accounts recievables to a collection agency, which has resold the debt. You can sue Worldcom and all of the agencies, but it would likely cost as much as you have to gain. Repeat the above with the new collectors, including providing your information from Worldcom.
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