I am so mad I am SHAKING!!!

First of all, calm down. Send them a validation letter, then dispute it with the bureau at the same time. If they cannot validate the debt, they must remove it.

 

You can get this off. I did-it took a while, but it was worth it.

First rule of disputing w/ collection agencies---never call-do everything in writing. Don't subject yourself to this abuse.

Do a search, use one of the validation letters here. Send it certified return receipt so that you can prove that they got it, and when they got it.

That's a good place to start. Don't let these people get you down.

 

First step is to calm down.

Second gather your thoughts and make yourself very familiar with the Fair Debt Collection Practices Act (FDCPA) which can be found at www.ftc.gov

Third, upon reading that find some letters regarding validation and cease and desist , you can find a few of them on the board.

Finally:
DO NOT CALL THE COLLECTION AGENCY ANYMORE, communicate with them in writing.

Calling them will only aggravate you more and they are not worth it.

Others may have some more tips but that is my suggestion and its not the end of the world because others have done it and you can to, so stay focused.



Good Luck


Cypri

 

I hate companies like that. They always think that they are trying to help someone. Personally the advice above sounds good, but this company is a business, who lacks any type of ethics or profeessionalism.

Not that it would do any good, but I would complain. Forget the collection agency, I would complain via letter to the BBB, the original holder of the debt, of what ever professionalism business oversight committee you have in your community.

Would it do any good in deleting the collections? NO
Would it allow other people to see how they treat people? YES...and that should be the whole point. Disrupt their distrubution and allocation of potential customers and tarnish their business record.

Please be advised that this is my opinoin, but they have no ethics, why should you?

I know, I am starting to sound like (lbrown) Ha.

So stop being the victim and stop being afraid, fight back. It's the American Way!!!!!

Good Luck

 

girlie: about the other agency make sure you get everything in writing before you send them any money, because sometimes the ones that are very nice is the one you have to be careful of the most.

Cypri

 

girliegirl,

Sorry to hear about your experience. Count me as one who is still paying for a paid medical collection $120.00. Never got the bill for this, but paid it as soon as I saw it on my credit report, thought that would do it. Nope! Will be 5 years old in Feb, I think. It's still the #1 FICO reason on equifax (only one it's listed).

 

Getting them to validate the alleged debt should prove whether or not they have anything that ensures that this debt is in fact yours. It should include details and amounts as to what this debt is for.

FYI-a document w/ just the amount, without dates, etc. isn't validation.

 

Just remember one thing:

You hold all the cards - they want the money, they are HIGHLY unlikely to try and sue you for such a small amount and if they want to be paid - THEY have to meet YOUR terms. Send the validation letter and don't trust them as far as you can throw them - everything in writing!


Don't get mad.....get even.

 

Having your name, address, and phone number is NOT proof of debt.

 

Sometimes they just use the phone book and look for any MARY STEWART...if
they find 7 in "x" city...they might just "ding" all 7...

 

CBS? Is that Credit Bureau Services of (wherever you live)? I deal with CBS of NH and have been feuding with them for quite sometime now. I just sent a "I caught you in a lie now fix it or get sued letter", They got it 12/14 and I gave them til 12/24 to respond or off to the courthouse I go! If it's the same compan y I'll keep you posted!
KHM

 

Consumers recording the audio of telephone conversations is shunned because nobody is comfortable with the laws. But lenders do it all the time: "Some calls are recorded, for quality control."

See http://www.rcfp.org/taping/ for a brief education.

You can get all the equipment you need (tape recorder with audio input, and telephone adapter) at Radio Shack for under $30.

Write to the collector and exercise yur rights under the FDCPA, for sure. But, call them back, too-- but resist the temptation to say something like, "You're on Candid Phone!" Just play it nice and cool, stay objective, and act how you would like the judge to hear you; anticipate how it will all look in court.

If they're so dumb to say what they said, they'll probably blow it in other ways, too.

 

I can record the phone call in my state, because I am a "PARTY TO THE CALL"...I am talking to somebody...BUT I can't record my next door neighbor calling to his work...because I am not a party to the call...

 

Excellent job!!!

We knew that you had the courage to out wit a fox..


Keep up the process..and you will be prime in not time.

 

In some states it is actionable for one party to record a telephone conversation without the other party's consent with very hefty statutory damages.