You are here:
- Home
- Business
- Corporate Law
- Collections Law
- collections agency
Collections Law/collections agency
Advertisement
Question
Approx 1 yr ago, QVC took money from my bank account for items I did not order and did not receive. I immediately changed my ATM/VISA number and my bank recovered the money. Now a collection agency is threatening to take me to court. I never ordered anything QVC and never received anything from QVC. I am in California. Can they really sue me?
You may dispute the validity of this debt and they must provide you with proof. This is federal law. If they can prove the debt is valid and you refuse to pay they may be able to get a judgment and attach wages or other assets. Send them a certified dispute letter with return receipt requested. Make them prove you owe the debt then take appropriate action based on their response. If they persist file a complaint with the Federal Trade Commission or your state Attorney General.
Related Articles
- About the United States Attorneys
- Debt Collection Laws - Can I Sue a Debt Collector or Collection Agency?
- Inspector General – What is an Inspector General and What Do the Inspectors General of the US Government Do?
- Mary Shomon Radio Interview Re: Synthroid on About.com Radio - Thyroid Disease
- What Are the Gun Laws in Kansas?
Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
©2012 About.com, a part of The New York Times Company. All rights reserved.