|
Tell them you want the debt validated. Send the letter certified mail. The burden of proof is on them. Tell them in your letter that you want no further contact from them until the debt is validated. If they do not (and they won't be able to) prove that you owe the money, send them another certified letter stating that you want your record cleared of any negative information and if they reported this debt to any credit reporting agencies, you want the information removed as well. They cannot garnish your wages without your consent or without a judgment against you.
Make them prove you owe the money. Don't let them scare you or cause you to believe that you have to prove you don't. Too many people get scared and send the money when they don't have to.
__________________
"I can normally tell how intelligent a man is by how stupid he thinks I am" - Cormac McCarthy, All The Pretty Horses
|