[MissM]

Hello, all. I have a question.

I live in Tennessee. I recently received a collection letter from West Asset Management in Georgia stating that they were trying to collect on a debt of $1236.53 from Bank of America which my credit report shows had been charged off.

The letter says that unless I dispute the debt within 30 days, they will assume it is valid and will obtain proof of the debt or a copy of a judgement.

What exactly does it mean when they say "a copy of a judgement"? Can I not dispute the debt for fear of legal action?

I do not believe the debt is mine, as my credit report shows that payments were made on it in December of 2006 and in January and February 2007 and I did not make the payments.

Thanks for any help.
MissM

[seniorjudge]

You can dispute it and ask for validation.

[Betty3]

Be sure to dispute the debt within the 30 days allowed.

[MissM]

Thanks for your replies. I have already drafted a letter disputing the debt.

But what about this judgement thing? Does that mean they will take me to court or obtain some sort of court order that says I have to pay the debt?

Thanks,
MissM

[seniorjudge]

But what about this judgement thing? Does that mean they will take me to court or obtain some sort of court order that says I have to pay the debt?




That's exactly what that means.