Rhodes Furniture Ripoff Charged for furniture I never received due to cancellation Cincinnati Ohio

Send a certified letter to the company handling this account. Requested verification of the debt. in this letter required a copy f the signed receipt for delivery of the furniture along with an itemized bill of every cent they show you owe for the furniture. It is very important to use the term disputing the validity of the debt and requesting verification of the debt, also you may want to say that they are only to send this information to you via mail and that you want all the information mailed to you at the same time and to no longer contact you by phone. I ran a collection agency for 7 years if you request this information this way (certified returned receipt) they have 30 days from receipt of that letter to give you the information requested or they must wipe the debt from there records and it can not be placed against your credit this is the law. This should handle your problem and stop any annoying calls. They are governed by the FDCPA (Fair Debt Collections Practices Act) if they are a collection agency. If they are the original creditor they still have to provide you with verification of the debt in the form you request in 30 days or the debt is void. It really pays to know your rights when it comes to finance and your Credit if you have any problems after 30 days and you have not received the information requested or if this shows up on your credit report contact the Federal Trade Commission they are the one responsible for collection agencies. An Agency can be fined and you can receive financial compensation for the violation of your rights.