They even told her she had to go to court over the phone.
She kept telling them she didnt owe, but they took advantage of her age.
She has good credit, and they told her they would ruin her credit.
I want her to stop paying.
That renders the debt lifeless, because you no longer face consequences for not paying.
However, making any payment toward the debt resurrects it, because youve acknowledged you still owe.
Stopping payments now could hurt her credit score and leave her open to a potential lawsuit.
Her first line of defense now is to demand adebt validation letterfrom the collector.
If thats the case, she should be able to stop making payments.
Contact a lawyer or nonprofitcredit counselorfor guidance on how to stop the debt collectors harassment.
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