Collection agency called back

Discussion in 'Credit Talk' started by rackt3, Aug 13, 2003.

  1. rackt3

    rackt3 Well-Known Member

    I sent a collection agency a settlement letter on behalf of my brother. The settlement stated that they would get a certified check in the amount owed once they send back a letter promising to delete the collection entry from my brother's credit report.

    The return receipt shows they received it last monday, but then they called today. They left a message saying to call them back. Should we ignore the message, or call them back?

    Just trying to figure out where to go from here. Thanks!

    GEORGE Well-Known Member

    "THEY SAY" don't call a CA
  3. Flyingifr

    Flyingifr Well-Known Member

    This is your brother's debt? If the CA speaks to you about it your brother can sue them for unlawful disclosure (FDCPA violation) unless he gave permission to speak to you.

    Go ahead, call them. The CA by law shouldn't be able to talk to you, so it shold be interesting to see what they have to say.

    BTW, why can't your brother do this for himself?
  4. rackt3

    rackt3 Well-Known Member

    He *could* do it himself, but the last time I let him talk to them, he said some things that I believe he shouldn't have said. So I wrote the letter to them as if he wrote it himself. I'm basically helping him fix his credit.

    So as far as the agency is concerned, all correspondence has been coming directly from him.. I don't plan on talking to the collection agency.

    I was wondering if we should ignore the message and play the waiting game, or call them back and reiterate the terms of the settlement letter. He needs a loan real bad for law school (school has already started), and this collection item is the only bad thing on his credit keeping him from getting this loan. So he needs it off like yesterday.

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