I sent validation letters to a collection agency (Automated Collection Services) and they failed to provide proof of my signature (signature not mine) and they gave me a copy of their EXPIRED business license. Their license is from 01-01-2002 to 12-31-2002. It's now mid February of 2003. Is this a violation of the Federal Credit Laws? Is so, can anyone direct me to opinions or any other relevant info that I can use against them. Thanks!!
Which brings me to another favorite "beef" of mine. I see so many people finding out that CAs are not properly licensed and so they run off filing complaints and writing nasty letters to the offending CAs and I think that no better way could possibly be found to shoot one's self in the foot than doing any of the above. I say, "So What?" I say keep it under your hat until they sue you and then tell it to the judge and see what happens to them and their fancy pants lawyer. Talk about a mad judge!!!! The effect is about that which could be likened to walking into the courtroom with a live grenade, pulling the pin and putting it on the plaintiffs table. Its going to blow their case plumb out of the courtroom and it just might get the lawyer in some awful hot water too if its carried far enough. He is an officer of the court. That is a heavy weight at times and it can be used against them under the right circumstances.
