Q: How can I fight an annual subscription to eHarmony that has been passed on to a collection agency?
I had to cancel my debit card associated to the account bc of unrelated fraud. I figured that would cancel my subscription. It did not they auto renewed for a year. Since it didn't get paid they forwarded it to collections.
A: Not by admitting you owe the money, which is what it appears you've done. Canceling a debt card does nothing to impair contractual obligations just because the card was given as payment. I would suggest sending the debt collectors a letter asking for proof of the debt. The FDCPA requires them to supply such proof when asked before continuing collection activities like calling or filing law suits. Because debt collectors usually buy spreadsheets containing huge lists of names, numbers, and amounts owed, from multiple sources they often do not have any such proof like a contract and cannot supply it.
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