I have been going back and forth with GEMoneybank and their collection company, Encore, regarding 2 credit card accounts that my boyfriend opened, and apparently signed my name as a co-signor. He passed away over a year ago and these accounts started coming to me.
The company, GEMB, has finally said in their most recent letter, AND on the phone, that they don't have the original agreement which would show my signature. To quote the letter I received today "Unfortunately, a copy of the original application for the above referenced account is not available."
This seems to me that it is proof that I don't owe them any money. Does anyone know? They call me every day and mostly I don't answer the phone. I need good advise as to what to do. thank you.
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