This morning I received a phone call from a collection agency. They informed me I owed a dept to Culligan water (it was a minuscule amount, 300$). I have had their service in the past, but don't think I owe anything. I told them that I wanted to check my records because I don't think I owe anything. The woman on the phone said 'no', and hung up on me. I called back and was transferred to her supervisor who informed me of the same thing. I told him I'd like to dispute the dept. He told me it was too late because I was already served and they would be garnishing my wages. Well, I was never served and I told him that. He rattled off some random address (In a city 30 miles from my home or work), which I have never worked at, and told me he served my co-worker with my subpoena. Very rude, kept telling me 'too bad', a third party serves for us.. etc. Do I have any grounds to take action on this? It feels like harassment to me. Even if it turns out I do owe the dept, I would like to be given the chance to pay.
You need to get your credit report and check that i would dispute it send it certified mail.i believe they have to have a judgement in order to garn,find out the date's of last payment it could be sol.this is called bullying don't let them do it you have right's under the fcra.
The first thing you need to do is find out if they have really filed suit against you. Check with the court where you live, and also in the city that is 30 miles away. If any suit has been filed, you need to show up for court or file an answer. You need to get a complete copy of any file relating to any suit filed against you. If they have already filed, you probably don't have time to get a credit report and dispute. In some states you can be served by publishing a notice in a newspaper. And they'll pick a small one with limited circulation.
