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I sent them the letter.
in it I requested a number of things, such as a breakdown of what they say I owe the money for, and how they came to that number, and any proof that I have any legal obligations to pay them, such as contracts and stuff. It was a form I found online that I just edited to fit my own needs.
I also requested that they dont call me. If they attempt ANY form of telephone communication, it will be considered harassment. Sure enough, They called again with that automated piece of crap. (mind you this is a week after I sent the letter. I have no doubt they have received it. Another violation) *cha-ching*
However this was only for the debt I had. I did not bother replying to the debt that I did not have. I contemplated sending them a letter saying this debt was a result of fraud and whatnot, and to cease trying. But I thought that would immidietly result in them filing for suit. Which with school and work, I dont have time for right now.
But I know they have no proof on that debt, so If they file again, I feel confident I will win.
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