Wisconsin
Greetings everyone,
I have been dealing with a debt collection agency representing Sprint since Nov. 2004 and they have recently turned hostile.
IC Systems is trying to collect a debt which was inaccurate and now they are saying that because I failed to dispute it in writing, that the debt has become valid.
In November, IC Systems contacted me by phone asking me to pay a bill in the amount of $324 which Sprint has charged me. I found out that my actual bill of $99 was not received by Sprint in July 2004 and so I said I would pay that amount, but I would not pay the remaining balance.
I had activated my phone in July 2004 and deactivated it less then 2 weeks afterwards. The Sprint representative informed me my total bill was the original $99 for activation and normal monthly fees.
What happened was, Sprint left my phone active for 3-4 months after I had it canceled. At that point, with no payments, they finally turned it off and referred my debt to their collection agency.
I need to know if failing to respond to a letter within 30 days automatically makes a debt valid. For starters, I don't even recall getting the first couple letters from IC Systems, but I do know that I talked with them on the phone atleast once a month. Every phone conversation was the same, as I disputed the remaining portion of the bill.
If I went to court, would my disputes over the phone with IC Systems qualify, or am I screwed for not replying to some letter I probably threw away as junk mail?
Greetings everyone,
I have been dealing with a debt collection agency representing Sprint since Nov. 2004 and they have recently turned hostile.
IC Systems is trying to collect a debt which was inaccurate and now they are saying that because I failed to dispute it in writing, that the debt has become valid.
In November, IC Systems contacted me by phone asking me to pay a bill in the amount of $324 which Sprint has charged me. I found out that my actual bill of $99 was not received by Sprint in July 2004 and so I said I would pay that amount, but I would not pay the remaining balance.
I had activated my phone in July 2004 and deactivated it less then 2 weeks afterwards. The Sprint representative informed me my total bill was the original $99 for activation and normal monthly fees.
What happened was, Sprint left my phone active for 3-4 months after I had it canceled. At that point, with no payments, they finally turned it off and referred my debt to their collection agency.
I need to know if failing to respond to a letter within 30 days automatically makes a debt valid. For starters, I don't even recall getting the first couple letters from IC Systems, but I do know that I talked with them on the phone atleast once a month. Every phone conversation was the same, as I disputed the remaining portion of the bill.
If I went to court, would my disputes over the phone with IC Systems qualify, or am I screwed for not replying to some letter I probably threw away as junk mail?