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  #1  
Old 08-22-2018
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Default Collections letter

Hello guys wanted to get your guys opinion on what to do. So I had a debt on a different account after a chargeback on eBay, it doesn’t have my real address but it does have my name. They don’t have my SS# or anything, well I got a letter addressed to my name but not my address from collections? I was wondering how they got the mail to me and should I just never respond and pretend I never got any letters since technically it wasn’t addressed to my correct address? Thank you very much guys.
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  #2  
Old 08-22-2018
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Default Re: Collections letter

How did you get hold of this letter if its not your address? ...

Either way, you should be paying your fees, else you'll forever be watching your back...
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Old 08-22-2018
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Default Re: Collections letter

If you got the letter then I would take actions to do something about it

Ignoring it isnt a solution
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Old 08-22-2018
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Default Re: Collections letter

Pay the fees or have it drag down your credit score. They know it's you. You could end up with two separate credit entries which would hurt you in the long run.
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Old 08-22-2018
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Default Re: Collections letter

Maybe cause I’m the only one with my name in my city? I mean if they try reporting it to the credit bureau, they have incorrect address, wrong DOB and not even a social. It’s only $100 and they’re willing to accept $80 but I don’t want to pay if not needed. Like I said sold digital goods and buyer charged back and I don’t want to be out this money. Thanks again for the replies.
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Old 08-22-2018
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Default Re: Collections letter

For the sake of $80 I would just pay it
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Old 08-22-2018
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Default Re: Collections letter

Welcome to the forum - all the best as you master stealth

$80 is hardly worth the headache of stiffing and worrying about...as you have been doing OP
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Old 08-22-2018
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Default Re: Collections letter

Just my two cents worth but if they know how to get a letter to you, they know how to find you. If they know how to find you, they know how to bone you. If it were me and I could make a $100.00 problem go away for $80.00, I'd spend the $80.00. You think you're up 80 bucks but it could end up costing you a lot more in the long run. Do the right thing, pay your debts.
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Old 08-22-2018
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Default Re: Collections letter

I wouldn't pay it. Having worked in banking even if it got sent to credit reporting agencies it would be an easy one to dispute for the reasons you mention. They have to remove it from your credit report if they can't prove it is you, which sounds like they can't.
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Old 08-22-2018
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Default Re: Collections letter

Thanks guys, I was thinking that the USPS didn’t deliver to the address in my city so they tried a name search. I’m scared to call or mail back because then they would actually get my address.
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Old 08-22-2018
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Default Re: Collections letter

Just pay it.... you need to do the right thing regardless. Otherwise this will bite you in the future.
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