Earlier this fall, an existing client came to us with a confusing issue on his credit report. A debt collector had reported a debt on our client’s credit report, but he had never received notice of this debt.
Our client’s credit score had dropped by over a hundred points! Instead of sending our client’s reported debt to his residential mailing address, we discovered that the debt collector had sent the notice to the address of his storage unit, which couldn’t receive mail.
Because our client never received notice of his debt until it was reported, he did not have the opportunity under federal law to challenge this debt.
We filed suit against the debt collector based on these facts, and the debt collector quickly settled. The debt collector was required to pay all of our attorney’s fees, provide a confidential settlement to our client, and remove the entry from his credit report.
