[4RE KLR]

I spent 14 years in he banking business. I have seen just about every tactic out there. I hate to say that sometimes you have to be cleaver to locate the people you are trying to get your money back from. The money was loaned in good faith it would be repaid.

Now, having said that and before anyone starts screaming at the monitor (or me) let me finish.

The above letter WILL stop the harassment. If it doesn't then you will be forced to take legal action. You will have to file suit against the collection agency AND the doctor in question. After all even though they are independent they represent his office.

Sometime collection agencies do not want to realize there is more than one person named John Smith. When they find a person with the right name they are hell bent on getting something out of them.

My advice is to send the above letter both certified Return receipt requested and regular mail, CC the doctor in question, an attorney and yourself (yes yourself, so you can prove it was mailed). I would not wait for one second. The longer you wait the worse it will get, I promise! They are like vultures they will not stop. I have even heard of situations where the wrong person has made payments to get this very type of harassment to stop.

I know it is not right but I am telling you it won't stop until you make it stop.