When you disagree with debt validation
What do you do if you and the creditor disagree about the validity of the debt validation?
I signed up for Yellow Pages ad with Dex Media. They recorded the confirmation part of the sales call. In it, the validator said, "You authorize the ad, as described, to be placed in the next publication." We said, "yes".
Then, they said they'd send out the terms and that we should read it. They specifically pointed out three sections to be sure to read.
It turns out that terms sheet had a section indicating the ad would auto-renew unless canceled. But, that section was not one of the three they said was important to read.
And, they never asked for, nor received a signature that we agreed to the terms.
In the recording, they never state that the Terms document has additional clauses that we are agreeing to.
Anyway, we closed the business the ad was for and didn't give the yellow page ad another thought.
Then, we start getting bills for the new publication. We refused to pay, saying we never agreed to it. They say we did because of the terms sheet.
Now, I've got an aggressive collection agency after me. They're doing everything by the book, but they're still pushing hard to collect. My credit score has dropped because of the collection efforts.
The amount is less than $1,000. Taking them to court seems counter-productive, since the attorneys fees would be higher than the collection.
But, I hate that DEX can get away with this.
Any suggestions on how to deal with this?