What is the name of your state?VA
This week, a debt collection agency Heavy Action Recovery called a relative of ours stating my husband owed a debt. Not knowing what it was about, we called HAR back. They told my husband that there was a Radio Shack account opened in 1994 to 1999 in his name with an outstanding amount. This account has NEVER showed up in his credit reports, we check our credit reports frequently, twice this year already. We asked for written documentation of the account and HAR told us the only doc we would get would be the the form of a court summons. They told us we have to settle the account in 24 hours or we would get a court summons. My husband believes the account was fraudulently opened in his name by a previous room mate 11 years ago. At that time, he had called the police (did not file a police report ) and called Radio Shack. Radio Shack verbally agreed not to make my husband liable for the account, hence he took no further action with the police.
Because we were frightened by HAR's threats to send us a court summons unless we settled the account in 24 hours, we paid the account off. On hindsight, we should have researched for ways to prove my husband's 'innocence' before caving in. But at that point in time we wanted HAR to stop harrassing us so we paid for the problem to go away.
Do you think we have a case to get our money back from HAR now? Or is it too late? Do you have advise for what we should have done instead?
Thanks.
This week, a debt collection agency Heavy Action Recovery called a relative of ours stating my husband owed a debt. Not knowing what it was about, we called HAR back. They told my husband that there was a Radio Shack account opened in 1994 to 1999 in his name with an outstanding amount. This account has NEVER showed up in his credit reports, we check our credit reports frequently, twice this year already. We asked for written documentation of the account and HAR told us the only doc we would get would be the the form of a court summons. They told us we have to settle the account in 24 hours or we would get a court summons. My husband believes the account was fraudulently opened in his name by a previous room mate 11 years ago. At that time, he had called the police (did not file a police report ) and called Radio Shack. Radio Shack verbally agreed not to make my husband liable for the account, hence he took no further action with the police.
Because we were frightened by HAR's threats to send us a court summons unless we settled the account in 24 hours, we paid the account off. On hindsight, we should have researched for ways to prove my husband's 'innocence' before caving in. But at that point in time we wanted HAR to stop harrassing us so we paid for the problem to go away.
Do you think we have a case to get our money back from HAR now? Or is it too late? Do you have advise for what we should have done instead?
Thanks.
