I sent off a certified dispute letter to a company that has been sending me invoices for a service I never ordered. I gave them 30 days to respond, which is exactly what a collection agency does. And if you dont respond within that time frame they (collection agency) consider the account yours. Well the company never responded to me but 2 weeks after the 30 day deadline I receive a notice on this account from a collection agency. Now what are my options here. I disputed aND GAVE THEM 30 DAYS AND THEY DID NOT RESPOND. THEIR way of handling disputes is to pass it off to a collection agency and I do not feel I owe the agency even a courtesy of a response. What are my options here ?? And will this collection agency mark this on y credit report and if so what can I do thanks
validate, dispute with the cra (if it is there), no response, validate again, no response, I think , c&d/estoppel, then ITS. Get some money out of the deal for yourself. And if they pull your credit report, well that is just an easy $1k
Thanks for the info but these days nothing is easy and that includes collecting anything when its up to a judge.
Snuffels, Go here and read this law: http://www.ftc.gov/os/statutes/fcb/fcb.pdf Snip: § 162. Regulation of credit reports (a) After receiving a notice from an obligor as provided in section 161(a), a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor's credit rating or credit standing because of the obligor's failure to pay the amount indicated by the obligor under section 161(a)(2), and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 161 and has allowed the obligor the same number of days (not less than ten) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
If you disputed the account within 60 days of receiving the invoice you can nail them with the FCBA. Do not try to apply the FDCPA to original creditors, it won't work. Send the CA a validation letter and let them know if they place any deragotory information on your credit reports for a non-existant account you will sue them. Write the OC and let them know you will hold them accountable for anything the CA does. Gib
