Yes. It is rather common for collection agencies to report a debtor to credit bureaus without notifying the debtor. When a debt becomes overdue, the creditor has several options. One of those options is to simply sell the account to a collections agency.
While it's technically possible to write a demand letter yourself, there are significant advantages to seeking the guidance of a legal professional. Here's why. Professional expertise. An attorney specialized in personal injury law understands the nuances of relevant statutes, case law, and procedural requirements.
The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt. What if the debt collector never sent me written notice of the debt? You can still assert your dispute and verification rights. The 30 day time limit will not apply.