Anderson & Crenshaw And Assoc. Trying to collect a debt from someone I do not even know, and threatened to destroy my perfect credit score of 803 if I don't pay within 2 weeks! Dallas Texas

Guy,

First of all, STAY OFF THE PHONE!! This is the biggest mistake people make! NEVER speak to ANY "third party" debt collector on the phone!! NEVER!!!

Second, federal and state laws allow you to recoup any damages they cause you due to illegal/unethical collections activities and/or malicious credit reporting.

Third. They MUST provide the validation you requested, or they MUST cease all collections activity. This is spelled out in the FDCPA.

Communicate with these monkeys ONLY in writing, and ONLY by certified mail, return reciept requested. Be sure to put the certified# on the top of the letter itself, and make a copy for your records.

Now, by the means above send them a "REQUEST FOR DEBT VALIDATION ".
In this letter CLEARLY dispute the debt, and DEMAND to see whatever alleged contract created the debt. DEMAND a legible copy. Also DEMAND a full account history and itemization of all charges.

Once that is done, get online and sign up for one of those 3 bureau credit monitoring services. Check all three bureaus immediately to see if they have impacted your credit. Print out any reference to this account being reported.

By the means above, send a letter to each credit bureau affected with a dispute letter.

If someone did open credit in your name, you are protected under federal and state laws. You must call just one of the three bureaus directly and file an IDENTITY THEFT COMPLAINT. Any one of the three will take this report and send it to the others. Do this right away, IN ADDITION TO the written dispute for the fraudulent account.

Now, it becomes fun. Once you have the address of the property this alarm system was intalled on, go to the property assessor's office and find out who owns it! This is public record!

Once you have this information, you can file a lien on the property for the amount of the claim, since you are being held responsible!

And, you can turn the info over to the DA for criminal prosecution. It is a FELONY to obtain goods or services by fraudulent means in the State of Florida if the amount is over $250.

Be sure yu do all of the written disputes as I instructed. Do this RIGHT AWAY, as this particular "law firm" is famous for engaging in "sewer service" where they file a lawsuit but "serve" you at a bogus address and then move quickly for the default judgement and wage garnishment when you don't show up.

ALSO, by the means above, file BAR ASSOCIATION complaints against all "lawyers" involved for the unethical activities. I usually do this first just to keep them busy, and to put a mark on thier record with the State.

Don't get mad....Get EVEN!!
Then get paid!

First off I would be concerned that if they really did open up the account( not questioning you, only APX who might say they have "your signature" but really do not)then you need to be concerned if they have your name, number and soc sec numbers your other accounts are vunderable.

I would stop talking to them and send them a ceist and desist letter, return reciept requested and demand proof or do not contact them again. If they continue, get a lawyer to send them a letter. You are dealing with a collection company that is scum. They do not know the meaning of politeness.

Do not pay this bill . It is not yours to pay. There is a mixup but collection companies such as this one only wants a bill paid. They could care less who pays it. Good luck and do not allow THEM to call the shots!