A company who charges in advances for services, that you decide to not pay for next month and they refuse to cancel sells the account for $0.20 or so on the dollar to a collection agency. The information the "company" has about you is about 80% inaccurate, the address is fake, phone number is out of the country and your first name is a nickname. With all that said, can a collection really screw up your credit or send you to court?
how about if the "creditor" has the wrong information as well. Can I claim incorrect information on the original debts? Here's a kicker, the "creditor" send me a screenshot of their billing program to my email, which shows all the invoices as "PAID" with "Amount due: $0.00". I am just looking to protect my only asset (car) if the CA finds me.
