California  |  Credit and Debt Law

I assume from your description that all your loans were consolidated with the third company but the people at the other two don’t realize that. This is a common problem as the one hand is clueless as to what the other is doing. If you have sent the documentation to the original people and the collection people and they have failed to respond tell them that you dispute the debt and that you are not going to pay it and not to call you anymore. Eventually they will get the picture.

What I have told you tracks the Fair Debt Collections practices act and what it does is force them to their legal remedies. Once they figure out what they did they should disappear. If they are stupid they will sue you and then you can clobber them and counter sue for damages. Tell them to stop calling you, to check their records, you don’t owe anything and that you will hire a lawyer to go after them if they bother you any more. Ask for the callers id and their address of the lawyer so you can as we say put them on notice of your dispute.

May sound like an aggressive approach but being nice to these people is a waste of time.

If you need more help give me a call, I will give you a free consult.