I have a CA calling me for a debt laden DC . I sent a validation letter to a collection agency . I have not heard of them . What is my next step . Should I wait for validation. If they do validate , make a written settlement offer ? If it comes down to it , what to do if they refuse payment?
The agency man left a message on my machine and said
1. I hope you saved that tape because it violated the FDCPA several times leaving that message and you can sue . Most any attorney will take the case .
I've been out of season for a while, but his message has multiple violations. They used to pay $ 5,000 for each violation and possibly see four violations of the FDCPA .
I hope you have the tape .
1. to leave a message implied that even this was of outstanding debt .
2. lied ( not too late to file for bankruptcy or CCCS ) .
3. if he said he will send a law firm and did not.
4. If the second message was the same day .
If you have the tape , keep the original and the copy lawyer simply because they probably know what company he worked for them and they are huge . If you accidentally give the original to someone who needs a favor from them , the test could disappear .
It happens .
NOT lose those recordings - ! ! browned
The threats to these recordings show that the CA has violated their rights . With these recordings that have the legal right to request payment of the CA for its violations , through the intention to sue or go ahead and sue them .
You should also look over your credit reports if they are reporting , for any additional violations . If so , send a dispute
I would not send them something or tell them anything except no call. If you send a letter promising to pay or make payment arrangements , the limitation period starts over again . Bankruptcy is silly, in most cases . Unless you have a lot of valuables , do not!
If you can manage , consult an attorney who specializes in such matters . That's what I wish I would have.
do not let these people you brother . are all crust . if you feel like you do not owe them anything , Ingore them , but if they should make arrangements to pay or class , so every time you feel good . These people can ruin credit ...
My friend , I hope you still have that message . That is abuse . They can not say to you. information can be found
If I were you I would report that the ACCC . They deal with these issues quickly .
I made a complaint about recantly Dunn and Bradstreet . I caled 5 times demanding love of my data and I refused to give . I told them after the third call that does not call me anymore . They can only call 3 times in a week and do not harass . They can not threaten legal action unless the issue is 60 days over due and if they do , you must issue written .
From my understanding it is illegal , they can not threaten a suite of law unless they are going to do , think of it this way , these people ae out of commission and if you order soon, and there are threats of pay a percentage. if I were you call the better business bearu and turn it , and indeed I get threatening calls and I blow them off the insert , which is a horrible job harrassing people 24/7 .
record those recordings dont lose them they are priceless. and they are going to save your behind. get a lawyer and turn the tables on that ****. you have had your rights violated!!!!!!!!!!! Sue sue sue!lol you got a lawyers dream case............