MSCB Inc
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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to use false, deceptive, or misleading means in connection with debt collection.
Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.
You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.
The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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I checked my credit report for the first time today and found several charges on there for hospital bills. When I called the hospitals they said they had no record of any bills in their system. I need these gone. My credit is really bad for bills I don’t have.
I received three bills for a hospital stay in October 2013. The first bill was received in November for approx $3,300. I made a $50 payment. Bills arrived in December and January and I promptly made payments. In February of 2014 I received a bill from MSCB stating that I had been turned over to collections for non-payment. My checks were cashed by the hospital, Parkview North in Fort Wayne. I called MSCB to see why I was turned over to collections. They were extremely rude and gave me no information. I called Parkview and was told the reason: because I had not entered into a verbal agreement to make payments. Is this legal?