I recently received 2 letters from Palisades Collection for 2 Chase VISA accts that they must have purchased. The body of the letter looked like this: Dear Palisades Collection, L.L.C.: I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court. They signed for the letter on 12/26 and tonight they called my cell phone!! Any thoughts on what I should try next??? Thanks.
A C&D does not prohibit them from all forms of contact, if the contact is one of the exceptions listed in the FDCPA. If you don't know the reason they called, it is not a violation, as they may have been calling under one of those exceptions. If the debt is not past SOL, you may have left them no alternative but to sue. They can contact you to inform you of that decision. If you are past SOL, find out why they are calling, and then determine your next step.
What are you trying to accomplish? Did you send this letter to them in response to these letters? Did you demand verification? Did you dispute the alleged debt? Are you recording the phone calls? Remember that if they comply with your demand per that section of the FDCPA, the only way they can respond to you is by summons to a law suit. That could be good or bad, depending on your overall strategy.
This is all moot now. BTW - if you are recording phone calls, make sure you are in a one party state.
