I received a letter from a debt collector stating that a town I moved out of in 1997 is trying to collect money related to a car I had back then. The "debt" due date is 1999, 1.5 years after I moved out of the town. We can't figure out what I could owe that was due 1.5 years after I left, unless the town thinks I still lived there in 1998 and charged me a registration fee for that year.
We've always had amazing credit and never had any problems making payments on anything (if we can't afford it, we don't buy it) so we've never been contacted by any collection agency. I don't know what to do or what's going to happen next. The letter states that I have 30 days to contact the collection agency to dispute the debt and ask for information about the debt. If I dispute it, will they begin making nasty calls and sending nasty letters or will they really just send me the information about this "debt" and let me prove that I don't owe the debt?
We've always had amazing credit and never had any problems making payments on anything (if we can't afford it, we don't buy it) so we've never been contacted by any collection agency. I don't know what to do or what's going to happen next. The letter states that I have 30 days to contact the collection agency to dispute the debt and ask for information about the debt. If I dispute it, will they begin making nasty calls and sending nasty letters or will they really just send me the information about this "debt" and let me prove that I don't owe the debt?