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CA-OC-CRA? Who's next?

Discussion in 'Credit Talk' started by Texas4x4, May 10, 2005.

  1. May 10, 2005 #1
    Texas4x4

    Texas4x4 Active Member

    OC charged off balance in 02 (reported to CRA's). CA starts calling in 02/05 (nothing reported to CRA). I request validation from CA and Cease and Decist in 03/05, calls stop but no written response. Is my next step validation from OC? Or contest OC TL directly to CRA based on no response from CA?
     
  3. May 10, 2005 #2
    jenz123

    jenz123 Well-Known Member

    i would go after the CRA
     
  4. May 10, 2005 #3
    ontrack

    ontrack Well-Known Member

    Was your C&D a complete C&D, or only written communication allowed?
     
  5. May 10, 2005 #4
    Texas4x4

    Texas4x4 Active Member

    C&D requested no phone contact and all future communications be done in writing.
     
  6. May 10, 2005 #5
    Texas4x4

    Texas4x4 Active Member

    And is the CRA going to modify the OC TL based on the CA not responding?
     
  7. May 10, 2005 #6
    jenz123

    jenz123 Well-Known Member

    not necessarily. but the CA can't verify w/the CRA until the prove it to you. if they do, it would be considered continued collection activity.
     
  8. May 12, 2005 #7
    Texas4x4

    Texas4x4 Active Member

    Does a failed validation by the CA give any leverage in removing the Originating Creditors TL? Or do I need to follow the same process with the OC?

    Thanks
     
  9. May 12, 2005 #8
    pd11604

    pd11604 Well-Known Member

    No
    In most states the OC is not subject to the FDCPA, although there are some exceptions
     

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