I recieved this letter from Allied and was wondering if this is a legal collection letter. I have never received one like this. As follows: Creditor: XXXXXXX Reference #: xxxxxxx Balance: 226.08 ASSET INVESTIGATION Dear slstafford SINCE you have failed to cooperate with us regarding the below obligation, we have now assigned your account to a special collection investigator. This person has been instructed to submit DOCUMENTATION on the following items: 1. Your source of income 2. Savings and checking accounts 3. Verification of employment 4. Real estate ownership and equities 5. Automobile ownership 6. Personal property assets Upon completion of this research, should it become necessary, our staff and client will decide on the best course of action, (as permissible by the laws of your state and county of residence). Having no desire to cause embarrassment and wishing to settle this amicably, we strongly suggest you contact our Collection Department or REMIT THE BALANCE IN FULL to clear this debt. When writing your check print the name in which the debt is listed, creditor and account number. Then mail immediately to this office for proper credit. For your convenience we are a Western Union agent. For the nearest location call 1-800-325-6000. You may send up to $5,000.00 for a fee of $12.95. They also accept Visa and Mastercard. Pay to: Allied Data Corporation Code City: Data State: TX Senders' account number: Use the reference number from this letter. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. Sincerely, JOHN COOK REMIT TO THIS OFFICE ONLY! NO EXCEPTIONS PLEASE CONTACT EXT. 609 This an attempt to collect a debt from a debt collector. Any information obtained will be used for that purpose. It sounds confusing to me what are they doing?
This is a BS scare letter. With the success rate so low on collections, I highly doubt that allied would do any serious asset investigations for that amount of money in question. Ignore it and keep on doing the validation thing.
I agree. For $225 they are going to spend a lot more than that to verify what they say they are going to. This also sounds like it is the first notice they have sent because of the notice that you have 30 days to dispute. If that is the case, how is it you have been uncooperative as the first sentence says? Do you know what this is for? Or how old is it etc. I would definitely send them a validation letter.
Yes I know what this is for. I was an Avon Representative for awhile and I did not receive the last order. I informed Avon of this and they must have decided I did and sent me to collections. It is about 1 year old now.
Of course you're confused. Your right to dispute has been overshadowed by deliberate confusion. THIS LETTER MAY BE ILLEGAL!!! GREG A. SPEARS, ) ) Appellant-Plaintiff, ) ) vs. ) No. 49A02-0003-CV-169 ) TIMOTHY L. BRENNAN, ) ) Appellee-Defendant. In this case, Brennanâ??s notice of claim contained an order for Spears to appear in small claims court and answer to the debt owed American General on November 13, 1996, only twenty days after the debt collection notice had been sent. Spears argues that Brennan â??overshadowed, undermined, and truncatedâ? the FDCPA-required thirty-day debt validation period when he scheduled the hearing for November 13, 1996. Brief of Appellant at 27. Brennan responds that it was the small claims court, not he, that ordered Spears to appear at the hearing, and, therefore, that he could not have violated the FDCPA. We cannot agree with Brennan.[/b]
Re: Re: Allied Data Corp!!! This is an FCBA dispute. Send val to the CA demanding strict proof that you did receive the merchandise they say you did. Tell them you did not, and that you DID notify Avon at the time and heard nothing back. After a certain period of time an OC loses it's right to collect a debt if they don't follow the procedures layed out in the FCBA, (as long as it's for at least $50.00) Avon has already violated.
Re: Re: Allied Data Corp!!! Here's a BRIEF FOR AMICUS CURIAE from the FTC in SCHWEIZER v. TRANS UNION CORPORATION, (On Appeal from the United States District Court for the Southern District of New York ) It has a lot to say about creating the "false sense of urgency" when none existed. http://www.ftc.gov/ogc/briefs/schweiz.htm
Re: Re: Allied Data Corp!!! Ok I read the link and I understand that part. Thank you for that insite Butch. Now what about the we do not wish to embarrass you thing. Isn't that a threat they either do not intend to go through with or if they do try that it would be against the law. Defamation of character or something like that. I am so confused.
