I allegedly owed money to an insurance company (Prudential) after I quit working there 2 years ago. The company screwed up a large insurance policy that I wrote and under my contract I owed them advanced commissions. After I quit, Prudential attempted to contact me for about 6 months about the ""debt"" - I ignored them.
Then Stuart Allen attempted to contact me for another few months. Then they reported the debt on my credit. I sent the clowns a certified letter of validation (research it online) and then they removed the item from my credit. Then another year later they kept calling and leaving messages.
Then I called them back and told them I have no intention of ever paying the ""debt"" and they might as well stop trying to collect it. I told them if the debt was on my credit I will contact an attorney. Then they said ""bla bla bla it is money that you owe."" I responded by telling them to go to court and get a judgement if they think it is money that I owe. Then the guy started talking about payment plans etc etc. I interrupted him and told him I have plenty of money if I wanted to pay the debt in full but have no intention of ever doing so. Then I got a ""thanks for your time,"" that was it.
If these jerks ever contact you about a debt that is not legit or court ordered, be confident, know the law, and tell them your not paying and will contact an attorney if they keep bugging you. Tell them to go to hell - they just buy debt for pennies on the dollar and are used to people being scared enough to pay it.
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