Debts can easily and quickly spiral out of control, wreaking havoc on your life, ruining your credit and even causing serious legal problems for you. This often stems from unexpected and uncontrollable circumstances such as losing your job, an accident or illness, or the death of a loved one. But sometimes, there is more going on behind the scenes. You may be pursued for debts you do not owe for many reasons, such as identity theft, clerical errors, improper billing or intentional attempts to collect on debts you have already paid. You have a right to dispute these debts, get out from under their weight and clear up your credit. The business law attorneys of the Law Office of J. Clay McCaslin are here to help.
Catching the Problem Before Collections
It is always best if you can catch and resolve errors before they go to collections. If you see a charge you feel is incorrect or that you do not owe at all, contact the company immediately. This also applies if you are receiving late notices for a bill you have already paid. In those cases, you want to make sure that your account has been credited and that any inappropriate late fees are refunded.
Of course, if you see a charge you do not recognize on your credit card statement you should call the credit card company right away to clear up the matter of the charge itself and to make sure that someone isn’t fraudulently using your account. You may be nipping a huge problem in the bud by catching identity theft early.
Whether you need to dispute a debt before or after it has gone to collections, in Oregon, the Law Office of J. Clay McCaslin can help. Call us at 503-239-1910 or email us today and schedule your free initial consultation.