Merchants Credit Guide Co. I received a collection letter written by Kevin Hughes, and he claimed that I owed a credit card Companymoney for an account that I did not have. Chicago Illinois

Dear Sandra,

It's probably a good thing you didn't through on the phone to this company, or others like them, they will try and get your correct information, some will even change their information to what you have just suplied in their so called verification process? If this is not already on your credit reports it's either very old or never yours, and probably both!!

I've never encountered the amount of lies and deciept these types of companies employ to get anyone to pay them on old junk debts. They don't care if it's yours or not? If causing someone enough grief to you, convinces them to send money, they win?

Respond in writting, with no personal information, beyond what they suplied, demand they verify-validate the debt in writting. End all phone calls they may make to you promptly, with this is not my debt. They will make all sorts of coments trying to get you to give your personal information, just say no!

Good luck,