LogFAQs > #914110451

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Topicdebt consolidation for hospitable bills sent to collections?
EdgeMaster
12/14/18 10:05:17 AM
#8:


Its been a couple years and its been sold to a debt collection agency?

Go on credit karma and file a dispute saying you do not recognize the account and require validation that the amounts are correct.

Usually after the debt has changed hands a few times the paperwork is long lost and because of the fair credit reporting act (assuming youre in the us) the burden of proof is in them to show your girlfriend agreed to pay said amounts. Usually the cant find it, nor will they be able to find where your gf signed agreeing to pay her original debt plus extra fees to whatever debt collection agency bought her debt lol. From there they are legally required to drop the debt.

They do it to themselves. Try it, if they say no then negotiate with them to a lower price.
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