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Company is Chasing Me for a Debt I Don’t Owe. What Do I Do?

Written by Steve Rhode


Dear Steve,

Back in December of 2014 I received an email from a company stating that I owed them $990.68 for a debt that I know I don’t owe. They state in their email that they put my social security # into their National Database checking system and said that I was never charged with fraud.

I emailed them and asked for specific information as I was a victim of identity theft 20 years ago. they never responded and today I get another email and they are stating that they will report this to my employer and I would need to pay $5874.95 if this goes to court.

I have been trying to clean up my credit and build up it up and now these people are threatening to destroy what I have been trying to fix for the past 20 years.

how can I find out if this is a bogus company or if again my identity was stolen and used for fraudulent activity.

Thank you.


Well I think we need to pursue this issue based on the assumption the debt is not yours. You don’t want to just stick your head in the sand. Instead, you want to force their hand and prove the debt is valid and legally collectable.

The two big issues is if the debt is outside the statute of limitations where you live and thus they can never sue you even if it was an old debt and secondly, do they have the documentation to validate the debt.

Debt validation, or proving the debt is really yours, is an easy process. Here are a few of articles to read on the subject.

READ  Chase Bank in Deep Shit Over Bad Debt Collection Practices

The most important steps to take as you move forward with your investigation are to not admit anything about the debt and to send your written requests to the collector by some sort of traceable means that provides you with proof they received your correspondence.

If you want to check out the company, read How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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