I have some debt which I accuired thru a scam/fraud. I have all the police reports and info to prove it was…
Question by Sally: I have some debt which I accuired thru a scam/fraud. I have all the police reports and info to prove it was…
fraud, but now I have creditors hounding me to pay back the ,000, and there is NO WAY i could afford that. Is there anything i can do?
Best answer:
Answer by Andy S
Well, it depends. You could be accountable if you were scammed. For example, when people get letters in the mail saying they “won” five thousand dollars, etc. and they cash the check and it turns out the check bounces? You’re still accountable. Now, if somebody stole your identity, you’re not responsible for that.
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July 13th, 2010 at 11:20 am
Call the creditors and dispute the debt. Use your police reports are proof.
When you wrote that “there is no way that you could pay this”, it made me think that there is a bit more to this story as I have no idea why you would even CONSIDER paying this if you knew nothing about it. So please Be warned….if they find out that you are lying…you could face some very serious charges.
These charges will make your 5k look like movie admission after you factor in your court costs, cost of incarceration and attorney’s fees.
So if you know that this was being done and you did not report it or if you know who did this you and you are unwilling to cooperate fully (if it was a relative etc) or if you participated (even unwittingly in the scam) you might want to just pay it rather than risk worse charges. (federal offenses?!)
With that said, if you dont know who did it and you were not a party to it, when you contact the credit card companies, this should be removed from your file since most cards now have ZERO fraud liability!