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3 - What can you do if you are sued by a collection agency?

3. Make them prove what you owe

“We always demand to see the original signed agreement and a balance on the account from zero to the present,” says Ginsberg. More of than not, the debt collector’s documentation will be inadequate. Debts may have passed a few times before the current collection agency purchased them.

Original creditors may lack precise documentation of the debts customers owed. A former employee of JP Morgan Chase says she was fired after she raised questions about the documentation being provided to buyers of the issuer’s delinquent debts.

She responded with a quarter of the files showed invalid amounts owed, with errors often in the bank’s favor. If credit card issuers can’t provide accurate documentation, there’s a good possibility collection agencies won’t have it either.


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