One issue I am experiencing is that since I allegedly received an overpayment of wages from a former employer, I have NONE of the consumer protections that I should. I fall into the gray space of being a consumer and my alleged (and incorrectly so) debt is considered "commercial" and therefore there are absolutely NO regulations on the activities of the debt collector. The individual assigned to my account has repeatedly revealed to a third party that he is trying to collect a debt from me. The alleged debt has never been substantiated, so why am I not protected as I would be if I had received a loan from a bank?
Some years ago, a debt collector was trying to collect a debt for an emergency room visit that included foot/leg xrays. The problem was that the only time I had ever been to the hospital in question was a worker's compensation covered workplace injury and it involved only my hand (sliced open, six stitches). I had contacted the collection agency and informed them that I did not owe anything and the circumstances of the visit. Although that did not work, once I contacted all three credit bureaus with the same information, the debt collector was unable to verify the debt and they removed it from my credit report - and stopped contacting me.
zeena
1
One issue I am experiencing is that since I allegedly received an overpayment of wages from a former employer, I have NONE of the consumer protections that I should. I fall into the gray space of being a consumer and my alleged (and incorrectly so) debt is considered "commercial" and therefore there are absolutely NO regulations on the activities of the debt collector. The individual assigned to my account has repeatedly revealed to a third party that he is trying to collect a debt from me. The alleged debt has never been substantiated, so why am I not protected as I would be if I had received a loan from a bank?
View this comment in the discussion thread
zeena
2
Some years ago, a debt collector was trying to collect a debt for an emergency room visit that included foot/leg xrays. The problem was that the only time I had ever been to the hospital in question was a worker's compensation covered workplace injury and it involved only my hand (sliced open, six stitches). I had contacted the collection agency and informed them that I did not owe anything and the circumstances of the visit. Although that did not work, once I contacted all three credit bureaus with the same information, the debt collector was unable to verify the debt and they removed it from my credit report - and stopped contacting me.
View this comment in the discussion thread