New Jersey Bankruptcy Law Practice

Harassed By Debt Collector For Bills She Never Owed

It’s one thing to be harassed about an unpaid bill. It’s another thing to be harassed about a bill you never actually owed.

Brandy De Alba, a California resident, says she canceled her alarm service with CastleRock Security in 2009, yet last year she began receiving letters from debt collectors claiming that she owed the company $449, CBS Sacramento reported. De Alba thought she had resolved the issue in January after the alarm company said it would eliminate the debt from its books and restore the 100 points that had been deducted from her credit score in the process.

But since then, De Alba has been contacted two more times by collectors who insist she still must pay the $449 bill.

“I’m stuck. I actually have no power in this, I feel powerless,” De Alba told CBS Sacramento’s Kurtis Ming. “All of a sudden, I’m being punished for something I did not do.”

The Federal Trade Commission received a record-high number of complaints about debt collectors in 2011, the Wall Street Journal reported. The WSJ linked the 17 percent higher jump in annual complaints to the weak economy.

In one of the more offensive cases of debt collector harassment, a hospital in Minnesota working in conjunction with Accretive Health, a debt-collection firm, was charged by the federal government in September for allegedly harassing sick patients for money while they were still in the emergency room. Earlier this month, a disabled U.S. Army veteran claimed that a representative of the debt-collection agency Gurstel Chargo told him “you should have died” after garnishing his wages illegally.

The FTC provides a list of consumers’ rights to protect against illegal debt collection practices. Debt collectors are not allowed to contact you at inconvenient times, you must first be sent a written notice telling you how much you owe and debt collectors must stop contacting you once you send a letter stating that you don’t owe any money.

CBS reportedly reached out to CastleRock on De Alba’s behalf. According to the station, the security company said they had no record of her closing the account, but agreed to buy back the debt from the debt collection company.

It seems De Alba isn’t the only person being charged phantom bills by CastleRock. According to the Consumerist, the security company is being sued by a State Attorney in Illinois under claims that it does not honor its cancellation contracts.

As for De Alba? She finally received a letter from the alarm company putting an end to the nightmare. “[We] agree that it should not have happened,” the letter stated. “We consider your account closed and in good standing.”

View the complete article at the Huffington Post.

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