Let's say an "unsophisticated consumer" has sent a demand for validation after receiveing an initial notice from a CA within the 30 day window... Now, presuming the CA has not contacted the consumer, What IF the poor "unsopihisticated consumer" were to call the CA re: the validation's status: "Hi, where are we rearding this matter?" and the CA then starts to call and demand payments... Do you think this tactic might entice a CSR at the CA to think he/she could make a quick buck??? And end up with a violation????
YOU BETTER BELEIVE IT!!!! LOL Thats why I say talking to a collector on the PHONE is the best EVIDENCE Record it by the way The validation period DOES NOT PROHIBIT COMMUNICATION with the consumer. It prohibits "collection of the debt."- FDCPA 809 (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Yup again Its called "baiting". Be careful just how much you bait though. I have a "friend" LOL who regularly calls the collection agency they had gotten a judgment against to "inquire" into the statuts of the account. I mean, I ....errr my fiend wants to know that the account wont somehow "make it back into the collection file." This generally prompts collection letters and phone calls. Did I mention as part of the judgment was a "cease collection" clause LOL FUN FUN
