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Discussion in 'Credit Talk' started by Barley, Jun 26, 2001.
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I would first contact the school and find out if there is a debt, if I am not mistaken a collection agency can still attempt to collect this indefinitely, however they will not be able to report it, and provided they did not get a judgment against you and if the SOL ran in your state, they can't take you to court.
As far as handling him maybe others on the board can suggest what you should do about him.
which agency is this anyway?
The collection agency is Glenn Associates, from Malden, MA.
The first thing I would do is to file an FTC complaint and an attorney general's complaint and a bbb complaint about the abusive language and then, I would send him a validation letter. That should start the ball rolling.
This guy is just begging for a good lawsuit and some attention from the authorities as well.
Oh yes, and be sure to follow Cyprigirl's advice too. She is right on target.
They are not allowed to call you at work, even if this is your debt. So right there, they are in violation of the Fair Debt Collection Practices Act (FDCPA). Report them to the FTC, even if they deny it happens. Get a co-worker to back you up.
You can also send them a letter to validate the debt, if they can't prove it, then they can't contact you anymore. I'd check your credit report, too. If they put a listing on your credit report and they can't verify you owe the debt, they are now in violation of the Fair Credit Reporting Act (FCRA).
Here are some other things they can't do:
- call your home before 8 a.m. or after 9 p.m.
- address you in an abusive manner
- harass you
- making false or misleading statements,
- add unauthorized charges
- call family or friends in an attempt to collect your debt
You can also tell them in writing not to contact you.
Sounds like your buddy wanted to pick everything on the list and make sure he violated it. The FTC would love to hear about the guy. I might also call your state attorney general and report this guy. They want to hear about it.
Send validatinos letters and/or C&D. Definitely get copies of all your credit reports to see which are being reported on. Go from there.. don't let him push you around.