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I need to know if there is a specific law against knowingly and willfully sending an invalid debt to a collection agency without a judgment? I have given this "creditor" ample explanation of why I do not owe them the money; therefore, I feel that the correct next step for them is to get a judgment against me if they feel they can win. However, I think they know they can't win in court and simply intend to send it to collections without a judgment for the sake of ruining my credit.The reason I am asking this is because I would like to cite a specific law in a letter I am writing to this "creditor" in response to a fraudulent "account statement" they sent me recently.
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