Is Linebarger Goggan Blair & Sampson Legitimate?

Question from TT, Is Linebarger Goggan Blair & Sampson Legitimate?

Answer from AI:

If you’ve received a letter from Linebarger Goggan Blair & Sampson and are questioning its legitimacy, it’s important to understand that this firm is a legitimate debt collection agency. They are known for collecting debts owed to government entities, such as unpaid parking tickets, toll violations, court fines, and taxes. However, like with any debt collection agency, it’s crucial to verify the debt and the legitimacy of the communication before taking any action.

Steps to Verify the Legitimacy of the Debt

1. Review the Letter: Examine the letter carefully. A legitimate debt collection letter should include information about the debt, including the amount owed, the name of the creditor, and a statement of your rights under the Fair Debt Collection Practices Act (FDCPA).
2. Contact the Agency: If you have doubts, contact Linebarger Goggan Blair & Sampson directly using the contact information provided on their official website, not just the information in the letter. This can help you avoid potential scams that use the firm’s name.
3. Request Validation: You have the right to request a debt validation letter, which is a document that provides evidence of the debt and your obligation to pay it. The FDCPA gives you this right, and the collector must provide the validation if requested within 30 days of the initial contact.
4. Check Your Records: Compare any information you receive with your own records. If you don’t drive or have any debts in collections, there may have been a mistake or a case of identity theft.
5. Review Your Credit Report: Obtain a copy of your credit report to see if the debt is listed there. You are entitled to one free credit report every 12 months from each of the three major credit reporting agencies through AnnualCreditReport.com.

When to Seek Legal Advice

If after taking the above steps you still believe that the debt is not yours, or if you feel that the collection practices are abusive, misleading, or otherwise violate the FDCPA, you may want to consult with a consumer rights attorney. An attorney can help you understand your rights and may assist you in disputing the debt or taking legal action if necessary.

Protecting Yourself from Scams

It’s important to be vigilant against scams, especially when dealing with debt collection. Here are some tips to protect yourself:

• Never give out personal information, such as your Social Security number or bank account details, over the phone unless you are certain of the caller’s identity and legitimacy.
• Be wary of any demands for immediate payment, especially if they ask for payment via untraceable methods like wire transfers or gift cards.
• Know your rights under the FDCPA, which prohibits certain practices by debt collectors, such as threatening violence, using obscene language, calling incessantly, or misrepresenting the debt.

Conclusion

While Linebarger Goggan Blair & Sampson is a legitimate debt collection agency, it’s always important to verify any debt claims before taking action. If you have no reason to believe you owe a debt, follow the verification steps outlined above. For personalized advice or if you suspect fraudulent activity, consult with a legal professional. Remember, protecting your personal information and understanding your rights is key to handling any debt collection situation effectively.