Best report
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Jul 9, 2013
Fake magazine debt is sadly a thriving subset of fraudulent debt collection. It doesn't matter if they think "they have a recording" to prove your liability. Federal law says you are still owed a prompt dunning letter and a chance to dispute the claim on paper. They can't just try to wrangle a bogus "settlement" without that due process.
Just over a year ago the FTC obliterated a different agency for hostile pursuit of magazine debts which it knew were bogus, handing the crooks a real bill for a record-bending $3.1 million.
Debt Collectors Settle with FTC, Agree to Stop Deceiving and Abusing Consumers
Consumers Were Subjected to Collection Efforts for Magazine Subscription Debts They Did Not Owe, FTC Alleges
http://ftc.gov/opa/2012/05/luebkenr.shtm
".... defendants allegedly collected on debts for magazine subscriptions despite the fact that the FTC had successfully sued the company that originally sold the magazine subscriptions for deceptive marketing. ...."
I would hope that you don't wait for a federal rescue and that you mount your own FDCPA lawsuit, assuming the creeps are domestic.
Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection
Just over a year ago the FTC obliterated a different agency for hostile pursuit of magazine debts which it knew were bogus, handing the crooks a real bill for a record-bending $3.1 million.
Debt Collectors Settle with FTC, Agree to Stop Deceiving and Abusing Consumers
Consumers Were Subjected to Collection Efforts for Magazine Subscription Debts They Did Not Owe, FTC Alleges
http://ftc.gov/opa/2012/05/luebkenr.shtm
".... defendants allegedly collected on debts for magazine subscriptions despite the fact that the FTC had successfully sued the company that originally sold the magazine subscriptions for deceptive marketing. ...."
I would hope that you don't wait for a federal rescue and that you mount your own FDCPA lawsuit, assuming the creeps are domestic.
Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection