Oh my gosh! I got a letter from Consolidated Credit today stating that we owe 152.83 to a music teacher who stated that we didn't give her a months notice, (psycho lady) and we properly asked for authorization on the account; they sent us the documentation back and where it has student signature, it has three signatures, one is from my one daughter, one is from my husband and the third signature, whom this is supposed to be for, is a forged signature of my older daughter. Clearly forged, not even remotely her signature, for whom this was supposed to be for. Wow! It is separated from my other daughters signature by a slash. Again, wow. So, now what to do? The other two signatures are correct, but from a previous document.
And then it gets better; as I am staring at this in disbelief, I notice that she (the OC) has written second daughter's first name at the top of the first page to identify it - and it is exactly the same signature as the first name she forged on the document on the signature line on the second page. Geez! But I would love to know what to do. I am definitely typing out a letter to the agency tomorrow pointing out the two signature similiarities. I guess I will just state that since I have pointed out an obvious forgery to them that if they don't stop trying to collect on me that I will be forced to file in court (for what?!) on both her and the original creditor. Should I swear out a forgery complaint?
Is the collection against your husband? (I'm assuming your daughter are minors) I would also think that there are several consequences to this. The forgery issue would best be brought up by the daughter who is the victim of this fraud in particular, but you should also explore the actual use of the forgery to collect this debt - as it sounds like an illegal attempt to collect all the way around.
I would tell this CA that the document is forged and if they want to pursue it you will gladly accept service of a summons so they can show the forgeries to a Judge. I would also warn the CA taht if they put this on your CRA you will immediately and without further notice file suit against them.
Was the music teacher paid for services actually performed? Is the collection amount for services never actually provided? Was the reason for terminating lessons abusive or assaultive behavior on the part of the teacher toward your daughter(s)?
Are your daugher(s) signatures on the same page as your husband's signature? Are your daughter(s) minors? Does your husband remember your daughter(s) signing any contract?
