TAT, If you're interested in taking them to court for violations you need to be able to prove the verbal slaps and lack of miranda. Sassy
By the way, you have a year from the date that you were made aware of the violation. It might be 2 years, depending on the state. Read the FDCPA and FCRA for that particular section. Check your state laws as well.
My sister called yesterday to tell me about a CA that has been calling her. I believe it is Viking?? They called her Tuesday at home asking about payment and all the yadda..yadda stuff that goes with it. My sister told them she was making payments to the OC (Citibank). Anyway, the CA called her husband at work on Wednesday told him that my sister said the reason they were behind in their bills was because he (the husband) did not know what he was doing and he was terrible at paying the bills and she (my sister) was going to take over the finances. And that my sister promised to send the CA a payment by Western Union. Nothing of the such was discussed on Tuesday. And the bad part is their marriage is not the best and the husband believed what the CA said!!!! It is awful.. These people don't care what they say or who gets hurt in the process.
