Is it illegal for a CA to send a letter to collect and gives a long-distance number as the only means of contact by telephone? If so, can I site this violation as a means to get the account deleted from the report?
Yes, it is very illegal unless it is a 1-800 or such toll free number. You don't want to raise a stink about it until you have gone through the rest of the song and dance and got them really hooked up tight. You want to be able to show a willful pattern of misconduct on their part to the judge in the event you have to take it to court or you get taken to court and have to counter sue. The willful pattern of misconduct is very important in court otherwise they can claim it was just an unintentional mistake and get out of any problems you chunk at them. With a well established pattern of willful misconduct, they are hung out to dry.
Bill: Ever notice that no matter how many times you hang em out to dry the're still wet behind the ears?
