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A subscription service a year ago said I verbally authorized magazine subscriptions on the phone. They had a “recording” they said was my voice. I told them to cancel it and they refused; I called the magazine company and they agreed to stop sending them. My bank investigated but did not indicate a finding of fraud to me. I changed my debit card that the company somehow had access to. This company has both my first and last name misspelled and I think I was somehow scammed. I can request in writing a “verification or copy of a judgment” within 30 days. What should I do?
Asked on September 2, 2011 under Bankruptcy Law, Wisconsin
Answered 13 years ago | Contributor
Okay first, calm down. Two things need to be figured out here. First, you need to figure out if they have in fact sued you and gotten a judgement. Because if they have then there is a whole different road that you need to travel down here. I am going to assume, for the sake of this question, that they have not. So what you need to do is to demand that the debt collector validate the debt. You write a letter to them requesting certain information to prove that you do indeed owe the debt.
If they can not provide the validation they can not collect. Let them know that if they fail to provide this information with in 30 days and they continue to harass you you will be seeking legal counsel. I would also report them to the state attorney general's office consumer fraud division. You did not order the magazine. They are stealing money from your account. This is a scam. Good luck.
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