I sent the following e-mail individuaully to all 8 officers of a CA that has ignored my request for validation over the last 90 days, as well as verified the accout with EXP twice, the second time increasing the Past due amount. ----------------------------------------------------------- Mr./Ms. XXXXX Do you, (CA NAME), currently hold necessary licensing to persue collections in the state of Arkansas? Please note following requirements per the Law of the State of Arkansas. The licensing requirements of collection agencies are prescribed under the Arkansas Collection Agency Act (Ark. C. 17-24-101, et seq.). Under this Act, any person, partnership, association, or corporation who wish to conduct a collection agency or engage within the State of Arkansas in the business of collecting claims for others, or of soliciting the right to collect or receive payment for any other person of any claim or advertise, either in print, by letter, in person or otherwise, must obtain a license from the State Board of Collection Agencies and provide a bond in an amount not less than $5,000 and not more than $25,000 depending on the number of collectors employed by the collection agency. (17-24-306.) Detailed information regarding licensing requirements may be obtained from: State of Arkansas State Board of Collection Agencies Lafayette Building 523 South Louisiana, Suite 460 Little Rock, AR 72201 Tel: (501) 376-9814 Fax: (501) 372-5383 In addition, I requested validation information of an alleged debt you have listed on my Experian Credit Report over 60 days ago and not received any response from Schreiber & Associates. I have documented repeated violations of the FDCPA by your company and would appreciate your immediate attention to my requests. Thank You. I demand immediate removal of this unvalidated debt from all Credit Reporting Agencies and your statement of this action mailed to me at the address below. This is my final attempt to resolve this matter without legal action. T-MAN XXXX XX XXXXX XXXXXXXXX XX, XXXX ------------------------------------------------------------ I followed this e-mail up with a collective e-mail as a comment on the CA's Web Site. ------------------------------------------------------------ As a follow up to the collective e-mail sent to your offices, please respond to my requests no later than April 10, 2002 to minimize statutory damages ( CA Name) will incur for additional FDCPA violations as well as punitive damages for willingfully and repeatedly violating my unalienable rights including life, liberty, and the pursuit of happiness. Thank You. T-MAN XXXXX XXXXXXX XX XXXXXXXXXX XX, XXXXX ------------------------------------------------------------ I indeed have the documentation to back up all statements, but is this too much? My frustration with this CA was off the chart, but I hope that this approach is effective. I will follow up as I receive a response (If Any). The T_MAN
I think it is very creative of you to go about it this way. LOL, if an email can't be received, you get a notice from the mailserver. Maybe a new avenue of disputing and validating will open up.
I had a repo that was appearing as four seperate accounts on my CR's, I began disputing this with the normal letters and never recieved a proper response. Out of frustration, I sent a certified letter to the bank and cc'ed the bank's board of directors and our states banking commisioner, I followed this with a "brief" email campaign to the board of directors and within five days I recieved a letter from the bank with a copy of the UDF showing deletion of the account. If you can find the emails of "higher ups" and your debt is beyond the SOL, I think this is a good approach, the officers of a company have alot more important things to deal with than obnoxious debtors and will gladly make a problem go away instead of fighting a losing battle.
I got Their e-mail addresses through their bbb listing link to their web site. The CA website also states that they are licensed in MA,NY,CT,NH,and ME and I would doubt that they even have the required bonding to collect in my state of AR. T-MAN
it's a good letter. Why did you extend their time though? My mom used to do the 1...2....2 1/2.... 2 3/4.... ok.........3 (we jumped at 3) Maybe they don't jump til sued. I mean, can you imagine how many people threaten lawsuits against them... If they're not bonded, file a formal complaint with your state and sue. that would be a slam dunk if they're not allowed to legally collect in your state.
