Consumer Law

Why Would A Debt Collector Or Debt Buyer Lie About A Payment We Never Made?

By M. Stan Herring

Debt collectors in general, and debt buyers specifically, will often lie about receiving a payment from us that we never made. Why would they do this?

The answer is the statute of limitations as they believe that if you make a payment it restarts the statute of limitation so they can sue you on it.

This is why they often come into court with no proof but they will wave around a piece of paper that claims you made a payment. Of course they don't have the check or any proof but they say to the judge "Why would we make this up?" The answer, of course, is they want to sue you and don't want you to be able to sue them for filing a case against you after the statute of limitations has expired.

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Full post as published by Alabama Consumer Blog on April 09, 2010 (boomark / email).