Penn Credit Corporation trying to collect an unknown debt Harrisburg Pennsylvania

I would highly recommend sending Penn Credit a letter in writing, mailed via certified mail, requesting verification of the debt, ie, original documents.

After 5-7 business days of sending, I would also call and let them know you have sent a letter requesting the verification.

The reasons for this?

1. To make sure you're not being called for a debt that isn't even yours- why should your credit be smeared for something someone else did?

2. If it actually -is- yours and you honestly don't remember, it would be in your best interest to look into it as someone else may have used your information.

And lastly,

3. If verification cannot be provided, legally they cannot persue the debt (of course there are specific laws governing your state).

In addition, I would also recommend calling them just to find out if it's a situation as simple as a wrong number. During the time I worked for Penn Credit, I can't even begin to explain the many, many times it was as simple as a wrong number- we'd call and call and the poor person on the other end would never let us know. If you get someone nasty? Hang up and call back- chances are you'll get someone completely different. If they're -really- nasty? Ask for their collector ID and request the manager.

I would highly recommend sending Penn Credit a letter in writing, mailed via certified mail, requesting verification of the debt, ie, original documents.

After 5-7 business days of sending, I would also call and let them know you have sent a letter requesting the verification.

The reasons for this?

1. To make sure you're not being called for a debt that isn't even yours- why should your credit be smeared for something someone else did?

2. If it actually -is- yours and you honestly don't remember, it would be in your best interest to look into it as someone else may have used your information.

And lastly,

3. If verification cannot be provided, legally they cannot persue the debt (of course there are specific laws governing your state).

In addition, I would also recommend calling them just to find out if it's a situation as simple as a wrong number. During the time I worked for Penn Credit, I can't even begin to explain the many, many times it was as simple as a wrong number- we'd call and call and the poor person on the other end would never let us know. If you get someone nasty? Hang up and call back- chances are you'll get someone completely different. If they're -really- nasty? Ask for their collector ID and request the manager.