hiding, You are forgetting to read 809(c). The only thing that happens on the 31st day after receipt of the mini-miranda, is that the debt collector has the right to *ASSUME* that the debt is valid. The 31st day doesn't give anyone else that right, and specifically acknowledges that no court can assume that fact, and it does not cause you to give up any of YOUR RIGHTS under the FDCPA/FCRA or any other law. There are also a LARGE number of CA's which don't do anything EXCEPT put the entry on your credit file, and hope that you are despirate to get a loan quickly that you will pay without fighting. Then there are the company's which buy accounts never contact you and then try to have a company set you up a pre-approved new account on a debt that the company has never contacted you about. The disparity in the FDCPA is that they only have to CLAIM that they mailed you the mini-miranda, you have to prove that they RECEIVED the validation notice.
The collection agency and original creditors DO NOT HAVE TO INVESTIGATE disputes UNLESS you send them THROUGH the reporting agency. : hiding90 ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> How do you do that if it's not reporting to a CRA????? WHY ARE YOU WORRYING ABOUT IT THEN? hiding90 Just because it isn't don't mean it won't . Why pay jacked up insurance and loan rates when it does show up later?_?_?_? ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
Ill pose a question. If the "norm" worked (more times than not) WHY DO THESE BOARDS AND DISCUSSION GROUPS EXIST ? hiding90 ========================== Because all the victims haven't posted yet. In fact there are victims who don't even know they are victims. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
