This company called JBA Associates bought a CA from a company. The big screw up is that they put this on my TU CR before even sending me a notice. How should I word a letter advising them that even with an assigned debt, they must send a letter to me and advise me of the debt with that little mini-miranda junk? I am about to start the validation process. I know it is mine, it is a $5.00 check and under cvc 1719, treble damages have been assessed, but I was under the impression that they must send a letter informing me that they now own the acount. I could be wrong, so what do I do?
Well, my question is specific for California FDCPA. It appears that they have broken this law, where it states that they must send a notice to the consumer before this appears on report. I will validate, they will send me my information and then I will go for the jugular. Of course they will not inform the CRA-TU that this item is in dispute
