scam collection agency???

Probably a legitimate bill. Mail fraud is too much a pain for companies to risk mass fake mailings posing as credit agencies. Scam artists generally try to make giving up money to them lucrative and with a prospect of winning something or getting a lot more than is actually ever delivered.
Some CAs from what I gather don't always want you to at least initially know who their client is for purpose the client will sometimes not mind a debtor paying them directly. By this the CA may lose out on some percentages. But obviously if prompted they should give up the creditor name. after all it is well within the law to know what bill your being asked to pay. If you can recall having a bill that fits into that price range then that is most likely them and you can verify that IF in fact you are going to pay it.
I get mail from many collection agents and they use a wide variety of approaches and I can recall one or two more cryptic ones that didn't tell me who the bill was originally from. Since I am intending to dispute as many trades as I can first and then deal with whats left over i have not yet paid any CAs. I had a debt stay on my file for a good 11+ years once. kept getting sold off to another CA. No fun. If I knew then what I know now. And I don't even know that much but it seems to speak volumes beyond what I didn't know before.
If you have no knowledge of this bill or having any such bill, it may be wise to pull your CR to make sure someone isn't either mistagging your file with someone else's debt. Or double check it anyway for possible ID theft. good luck

 

Since it looks strange to you, send a standard validation letter, certified-return receipt requested and make them prove that it is yours.

NV Bone Doc

True health comes from within

 

§ 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Follow NVBoneDoc, and start Val.

In the meantime, READ PROFUSELY!

 

Just follow Butch's advice and you should do just fine. He has pointed out that they have already violated the law at least once so you should easily rack up some more violations on them very quickly.

 

Re: Re: scam collection agency???

strange seeming letter
Samba |
============
THE LETTER may be in violation of more than just one of your rights.
The END ************************* LB 59

 

1*Probably a legitimate bill.
2*But obviously if prompted they should give up the creditor name. After all it is well within the law
3*i have not yet paid any CAs.

Wfoster
================

1*From a CA you must be kidding!
2**No It is required by the law.
3*Why would you want to pay one when it's the worst thing you can do?

The END ************************* LB 59

 

You want a validation letter? Ok. I'll post one right here and now that will work every bit as good as any you will ever bum, beg, buy or steal anywhere on the face of the planet bar none. Here it is.
[Your name and address and the date centered on the page at the top.]

Dewey Cheatum & Howe
1234 Rippumup Drive Suite 0
Nasty City, ZZ 00000-0000

Dear Sirs:

I received a letter from your firm claiming I owe you $1 gadzillion.99 (or whatever).
Please validate the debt you claim I owe.

Sincerely Yours

___________________
Joe Goodcredit

You think I'm kidding? I guarantee you that the above letter will get you the exact same results as any other validation letter that you will ever find on any message board or sold to you by any glueru on the internet or in any bookstore or fixed up for you by any fancy pants lawyer will get you. I've learned that from hard experience.

Is that the validation letter I use or recommend that you or anybody else should actually use? No, of course not!

Then why would I try to tell you to use it? There are two very valid reasons why.
(1) I want to accomplish other things besides just get them to validate the debt. So I have to add in other paragraphs, each of which is designed to accomplish something other than validation.

(2)I want you to understand that the tool isn't going to get the job done all by itself. As the user of the tool you have to understand how to use the tool and whether or not the tool you have in your hand will do the things you want it to do and why. If you don't understand those things then the fanciest tool out there is just as likely to hurt you as the worst tool out there and that is also true of validation and other letters.

I've never had a validation letter fail yet. But I have seen lots of cases where the person who sent the validation letter didn't know whether it worked or not so he thought it didn't work and chunked the whole idea because he failed to learn how to use the letter, when to use it, why he used it, failed to keep accurate records, failed in fact to use any common sense at all in many cases. He just thought he had the magic answer to his problem so he grabbed it up and flung it at the object of his perceived misery.

You just gotta do your homework first or you will probably fail and if you do succeed it will have been by pure luck.

Man cannot live by luck alone.

You got it!

Don't bet on that.

No, you are dead wrong. This site is not the least bit awesome. Its some of the people who are on it that are awesome.