I received a letter from an attroney CA today called Robinson, Reagan and Young P.C. out of Nashville TN. It says despite our efforts to work with you concerning the BellSouth Acct, $117.21, you have failed to pay this debt. If you have not made arrangements to pay this debt, it will be reported to a national credit reporting agency, which may adversely affect your ability to obtain credit and may remain a part of you credit record for up to seven years. To avoid further action contact your acct. rep. Ms. Soandso, and immediatly arrange to pay the balance in full. This communication is from a debt collector. Are they required to write my mini miranda somewhere? If they are, it isn't here. What do you think? SnakeMan
Did they ever contact you previously. The complete mini-miranda only needs to be on the first communication. The "This communication is from a debt collectior" is the minimum that must be included on each correspondence; technically it should also include that any information obtained will be used for that purposes.
They may have, I don't remember. There's so many of them, it's hard to keep track of em all. So that's it then? SnakeMan
The complete validation notice only has to be on the first communication, or within 5 days AFTER the first communication. Now, a lot of CAs who have been nabbed for not including the mini-miranda will include it on all communications, and some states may require it on all communications.
No, your right. I now understand that the only time they are required to put that on the letter is during their first correspondence with you. Got it. SnakeMan
