Help, my 14 y.o. got a collection letter. The original creditor named is BMG Music. I plan to send a cease & desist letter, and to argue age. Any suggestions?
Take a deep breath! All you have to do is write a letter stating you've never had any sort of relationship with this company(even if you have). Also mention that you never RECEIVED anything from them. This is simply a scare tactic. Once you send the letter, they will go away and 6 months from now they'll send you a letter BEGGING you to order more from them. I used to get these all the time while in college, some years ago.
The same thing happened to me with a mail order pantyhose company. They sent free trial pantyhose to my house. Then they sent a bill. I wrote them saying I never ordered anything (which I did not). They have not contacted me since.
