Collections?
Before I knew about adjectives the laws that protect consumers, I agreed (over the phone) to pay a collection agency a per month wage. After a while I noticed the interest didn't match up. I asked over the phone how they calculated it and they couldn't answer. I granted with a payment I'd dispatch them a debt verification letter. About 4 days after they get my letter (certified), I got a memorandum for the same account from another creditor. The agency sold my reason. I sent the new agency a letter as capably, without a payment nor would I agree to anything over the phone. To date, I enjoy not heard back from any creditors and its well past 30 days. I'm very soon getting nasty phone calls from an attorney's credit collections department. I wouldn't agree to anything over the phone and told them to send me something in writing. They told me they enjoy and would not send anything more. Since they left a quotation number on my voicemail, was I doing the right thing by sending them like letter to?
Answers: I could almost laugh. Only because I go through this and realize how vicious these people can be, yet so stupid at indistinguishable time.
This is the tactic these people use. They tried this crap on me too. The debt wasn't even mine, it was my x's.
I sent the validation junk mail, and waited.
I got foul letters in between the waiting time, but I stayed stillness and waited for the validation. It never came.
I checked my credit report, and it have been removed, BY THEM! They couldn't prove it.
What should you do now? Send a second reminder requesting validation, certified mail, and wait another 15 days.
If no answer, photocopy everything you mail, including the certified post cards you got back, and e-mail these to each credit reporting agency, asking them to remove the debt from your reports.
Refuse to talk to them any more on the phone. The more you discuss, the more they will use that against you.
Send a letter of cease and desist. Find sample on line!
Don't be intimidated by these idiots. They will do everything in their power to upset you. But, you have a little more fluency than the average person, and know how to fight wager on! Just be patient.
Don't let the certainty that they say they're an attorney's office bother you any. The fact remains that they must validate the tale. If they can't do that, then they are just blowing smoke up your at the rear.
read very carefully thru creditincenter.com
later read budhibbs.com
i also sent a copy to the State Attorney's Office of the creditor's State
The answer is quite simple, if the original collection agency recieved your request for substantiation and then sold it to another junk debt collector later it means this debt is obviously time excluded (beyond your states statute of limitations) and they can not legaly take it to court.
Send one more certifed/return receiving letter reqesting verification of the debt to the ones calling you very soon. If they do not respond with the proper validatioin of the debt, then convey copies of all your letters to the CRA's requesting the debt planned on your credit report be removed.
Here is a sample letter to use, you saturate in the blanks
DATE
From: (NAME)
(ADDRESS)
(CITY, STATE, ZIP)
To: (NAME OF AGENCY)
(ADDRESS)
(CITY, STATE, ZIP)
Subj: Verification of Debt, request for
Ref: (INSERT ACCOUNT NUMBER SHOWN ON COLLECTION NOTICE)
To whom it may concern:
This letter is to inform you that pursuant to Title VIII, Debt Collection Practices, § 809 of the Federal Trade Commission and 15 U.S.C. § 1692g, I am hereby registering a formal request for Verification of Debt.
The information in question planned as an installment account with (NAME OF ORIGINAL CREDITOR) open (insert date) and indicates an initial balance of (enter amount) It is now currently anyone shown as collection account with historic due amount of (enter amount) as of (insert date).
Unless legal proof and verification can be shown, I request you remove the derogatory entry near any credit reporting agencies that may list this debt (and any other agencies you have file with) immediately to avoid any possible legal recourse on my behalf pursuant to 15 U.S.C.§ 1692k.
Respectfully
(NAME)
Hope this answers your quiz
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.
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Answers: I could almost laugh. Only because I go through this and realize how vicious these people can be, yet so stupid at indistinguishable time.
This is the tactic these people use. They tried this crap on me too. The debt wasn't even mine, it was my x's.
I sent the validation junk mail, and waited.
I got foul letters in between the waiting time, but I stayed stillness and waited for the validation. It never came.
I checked my credit report, and it have been removed, BY THEM! They couldn't prove it.
What should you do now? Send a second reminder requesting validation, certified mail, and wait another 15 days.
If no answer, photocopy everything you mail, including the certified post cards you got back, and e-mail these to each credit reporting agency, asking them to remove the debt from your reports.
Refuse to talk to them any more on the phone. The more you discuss, the more they will use that against you.
Send a letter of cease and desist. Find sample on line!
Don't be intimidated by these idiots. They will do everything in their power to upset you. But, you have a little more fluency than the average person, and know how to fight wager on! Just be patient.
Don't let the certainty that they say they're an attorney's office bother you any. The fact remains that they must validate the tale. If they can't do that, then they are just blowing smoke up your at the rear.
read very carefully thru creditincenter.com
later read budhibbs.com
i also sent a copy to the State Attorney's Office of the creditor's State
The answer is quite simple, if the original collection agency recieved your request for substantiation and then sold it to another junk debt collector later it means this debt is obviously time excluded (beyond your states statute of limitations) and they can not legaly take it to court.
Send one more certifed/return receiving letter reqesting verification of the debt to the ones calling you very soon. If they do not respond with the proper validatioin of the debt, then convey copies of all your letters to the CRA's requesting the debt planned on your credit report be removed.
Here is a sample letter to use, you saturate in the blanks
DATE
From: (NAME)
(ADDRESS)
(CITY, STATE, ZIP)
To: (NAME OF AGENCY)
(ADDRESS)
(CITY, STATE, ZIP)
Subj: Verification of Debt, request for
Ref: (INSERT ACCOUNT NUMBER SHOWN ON COLLECTION NOTICE)
To whom it may concern:
This letter is to inform you that pursuant to Title VIII, Debt Collection Practices, § 809 of the Federal Trade Commission and 15 U.S.C. § 1692g, I am hereby registering a formal request for Verification of Debt.
The information in question planned as an installment account with (NAME OF ORIGINAL CREDITOR) open (insert date) and indicates an initial balance of (enter amount) It is now currently anyone shown as collection account with historic due amount of (enter amount) as of (insert date).
Unless legal proof and verification can be shown, I request you remove the derogatory entry near any credit reporting agencies that may list this debt (and any other agencies you have file with) immediately to avoid any possible legal recourse on my behalf pursuant to 15 U.S.C.§ 1692k.
Respectfully
(NAME)
Hope this answers your quiz
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.