I validated RMA on 3/1, received RR on 3/8. Nothing received. Yesterday, they sent offer to settle for 1/2 for Providian Visa. ?: I know I got them on a violation for continuing debt collection activity during validation ?: I know that they probably won't validate either. ?: They never have put a dispute notice on my CR Shall I wait for them to accrue more violations and then pursue for deletion? Isn't this risky as a CA who only has assigned -- and not purchased, a debt won't do a deletion? This doesn't impact the OC in this case, correct? TIA
Also, in some states, like TX, for instance, the OC has the same responsibility and accountability for FDCPA rules...OC and CA are one and the same when it comes to validation, etc.
Re: Re: Got 'em - but wait longer? Where did you see that? I've read Chap 392 and TX has debt collectors AND 3rd party debt collectors. OC's can't harass, etc. but for disputing I'm reading as only 3P debt collectors. Am I missing something?
Re: Re: Got 'em - but wait longer? (7) "Third-party debt collector" means a debt collector, as defined by 15 U.S.C. Section 1692a(6), but does not include an attorney collecting a debt as an attorney on behalf of and in the name of a client unless the attorney has nonattorney employees who: (A) are regularly engaged to solicit debts for collection; or (B) regularly make contact with debtors for the purpose of collection or adjustment of debts I think I misinterpretted this part...I was looking at " UNLESS the attorney has nonattorney employees... Original thinking was that there are peeons who aren't lawyers who work in these offices of the oc's who fall under A and B subsections. See what I get for thinking?
Re: Re: Got 'em - but wait longer? GLBA specifically changed that and states that attorneys are 3rd party debt collectors in most cases.
Re: Re: Got 'em - but wait longer? Dumb question of the day...GLBA? Where can I find the info stating, this, Bill?
Re: Re: Got 'em - but wait longer? try this link, it goes to the "home" page for glba http://www.ftc.gov/privacy/glbact/
Re: Re: Got 'em - but wait longer? Funny coincidence, I did the exact same thing, sent an initial validation letter to RMA and recieved a second collection letter today. My only problem is that I didn't send my first letter CMRRR. plus I got a phone call today.Now I'm pretty much up the creek.
