lawyerforconsumers1136 karma2019-08-05 14:59:27 UTC
I suggest sending the doctor's office a dispute and validation letter with a cease and desist to prevent them from contacting you about this alleged debt. If a debt collector still contacts you after you've sent them a cease & desist, it is a violation of the FDCPA.
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lawyerforconsumers484 karma2019-08-05 15:17:10 UTC
Send a letter using the words cease and desist - feel free to contact us for a follow-up if that doesn't work.
lawyerforconsumers253 karma2019-08-05 15:12:37 UTC
You have to send them written notice to cease calling you as the number has changed. If they continue to call you thereafter, it could be a violation of the FDCPA.
lawyerforconsumers238 karma2019-08-05 12:54:25 UTC
You can pay debt collectors but you should only pay once you've received written proof of the debt, a written offer of settlement, and request a paid-off letter from the debt collector.
Always request validation from a debt collector prior to making payment as well.
lawyerforconsumers237 karma2019-08-05 14:19:16 UTC
It depends on who had the student loan, whether the federal government had it or a private company. If it was a federal loan, you may be able to rehabilitate the loan to get on Income-Based Repayment (IBR).
If it's a private student loan, you'll be able to work out a payment arrangement with them.
Your situation does sound a bit sketchy though, you'll want to consult with a consumer law attorney in your area.
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