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Ask The Expert: How Do I Know if a Debt is Really Mine
Brent from Springhill, FL asks if there is a way to find out if the debts he is paying off are really his. No one wants to blindly pay all the bills that come in the mail, so April Lewis-Parks explains how to handle this situation with an expert answer.
Brent from Springhill, Florida writes in, “How do I know what debts are really mine?”
A lot of times people get collection calls and letters and they’re not sure if the debts are really theirs and they rightfully owe them. It’s always best to go to all three credit bureaus, pull your credit reports, look them over and match up the debts you know are yours.
And the ones that you’re not sure of, highlight them—write a letter to the creditor listed on the credit report and then also copy a letter to the credit reporting bureau. If you don’t hear back from the credit reporting bureau or the original creditor within 30 days, you have a right to ask for that debt to be removed.
And as far as collectors coming after you, and sending you letters, and calling you on the phone, you have to just tell them, “Listen, this is not my debt. Stop calling.” And then if they continue to call you to ask for a supervisor or manager’s name, address, and send them a registered, certified letter.