I sent them a CeaseComm with cmrrr mail, got the receipt, and a letter saying they were done communicating, and sent the account back to the original creditor. The next week I started getting calls again, and a letter from them stating I had 35 days to respond or they would pursue collection attempts. Isn't this against the FDCPA, shouldn't they have stopped communicating 100%? How do I rectify this?
They are viewing this as a "new" debt, hence able to start the entire process over again. They "returned" the debt to the OC, and probably it was "resold" back to NCO, perhaps a different arm/office. Hit them again with a validation request, if they had the back up documentation, they would have just come after you.
We remove them in two weeks and they absorb the debt. I'm not fishing rather, just telling you the truth. Asking for validation isn't the proper way to do it though . . .
