Subject: I have been mistakenly summoned for debt I do not owe
Fri Dec 04, 2015 3:53 am
I received an alias summons for defaulting on a car loan. I have the same first and last name but the debt is not mine. I have called the debt collection agency and informed them but they want a copy of my drivers license. I am reluctant to give them personal information. I am in a different state and have clear evidence that I am not that person. For example, I have lived at my current address for 10 years prior to the debt being issued. After some very short internet research the original debtor has a different middle initial, age, and has clear history of living in the state were the debt was issued.
What should I do? I have read that if I don't appear they can start garnishing wages, etc. It is a two day drive to the other state. If I can't get this resolved before the court date can I sue for the cost incurred to fight this (travel, postage, etc.)?
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.