Ok heres the deal...... I have 4 medical collections from ABC collections (very small amounts). I sent validation & C&D to them in September and October. I received no response. I sent estopel in November (all CRR) and no response. Then I disputed with CRA's - some came off. I come home today to a message on my machine from them. So I called them back, the lady wasn't in so I asked if there was something she could help me with. She told me they were calling in regards to the four bills. I explained to her about the validation requests and no response. She then said they sent out the bills what more proof do I need? I then said so your telling me that you are not required by law to provide me with any proof that I owe these debts. She then said they contacted the hospital and the hospital said I owe them and if I needed proof to call my insurance company for the EOB and that the bills are all they need to provide me with. I then reminded her that I also sent a C&D letter and she said that is only valid for 30 days and we are in January now your 30 days has past and we sent out a bill today and thats your proof! I also posted this morning about these accounts being put back on my credit report. Now I know why. She said that they received a call from a company (TU) requesting to verify. TU deleted 2 of them a few months ago and now today all four are back on along with others. My mind is racing thoughts of lawsuit here. What do you think??? Please give me any thoughts you have ) Thanks!!!!
Nowhere in the pertinent section of the FDCPA does it say that the C&D is only valid for 30 days. Important section in bold.
Thanks Breeze, I went to work and didn't read this until just now. I'm still trying to catch up from the day. You are great!
