Check Spelling In Legal Rhode Island Fair Debt Collections Forms For Free

Send the bailiff away until the creditor has applied to the court to amend the debtor's name on court documents. Tell the bailiff company to stop enforcement and return the case back to the creditor, or council because the debtor's name is wrong on the bailiff's document.

A Letter Before Action (LBA) is a formal letter that requests the payment of a debt to your business and warns of the imminent issue of a court claim. An LBA sets out what is owed to your business from a debtor and provides a set time period ? usually 7 days ? in which to pay.

When a debt collector contacts you about a debt, they are legally required to provide information about that debt, including the name of the creditor, the amount owed, and your right to dispute it. There are some limited exceptions to this rule.

If you can be demonstrated to have incurred the debt, then the creditor has a right to collect, even if your name is misspelled. Some people play this game, but it just means the creditor has an additional hoop to jump through before he collects.

A name error is an easy correction, and not fatal. You need to talk with the manager directly, and dispute the debt with the collection agency immediately. If they continue to pursue it, you may need to hire an attorney to put it to rest. Otherwise this could start to affect your credit, which you don't want to happen.

While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.