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Discussion in 'Credit Talk' started by holis, Aug 22, 2003.
I am getting ready to send 2nd letter to them. What do I add about the "no bond" issue?
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Are you in Texas?
yes - sorry bout that
Â§392.101. BOND REQUIREMENT. (a) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
(b) The bond must be in favor of:
(1) any person who is damaged by a violation of this chapter; and
(2) this state for the benefit of any person who is damaged by a violation of this chapter.
(c) The bond must be in the amount of $10,000.
e) A person who successfully maintains an action under this section for violation of Section 392.101, 392.202, or 392.301(a)(3) is entitled to not less than $100 for each violation of this chapter.
Not a lot of bite there! What I did was wrote a letter to the company telling them to go away, there weren't legally able to collect in the state of TX. I cc'd the OC.
Here's the link to the entire statute for Texas.
they have also violated FDCPA laws - letter to me trying to get the debt paid before sending validation.