hey guys i just got home from work to find yet another collection letter in the mail box. Ever since i started cleaning up my credit they've been coming outta the woodwork. Anyway this letter is from a company called check inforcement. it claims i owe 656.71 for a check i wrote 3 years ago. this is what the letter says: YOU HAVE IGNORED PREVIOUS DEMANDS TO MAKE RESTITUTION FOR DISHONORED CHECKS FRAUDULENTLY ISSUED TO THE ABOVE REFERENCED TO MERCHANT. YOUR CASE IS CURRENTLT BEEING REVIEWED TO DETERMINE IF CRIMINAL PROSECUTION WILL BE RECOMMENDED. IMMEDIATE PAYMENT IS REQUIRED TO CLOSE THIS MATTER. I STRONGLY ADVISE YOU TO TAKE ADVANTAGE OF THIS FINAL OPPORTUNITY. first of all i have absolutely no idea where this check came from and secondly i have never recieved anything from these people before. What do you think i should do about this?
The threat is probably allowed. Recomending criminal prosecution just means forwarding it to the local DA, who will probably do nothing. Still, the threat is allowed because they can and will follow through with it. If it's a first contact, it doesn't meed the criteria for a right to cure letter. That could be a violation.
I would proceed with validation. Make it perfectly clear that "this is the first communication I have received from you in regards to this matter".
Re: Re: Re: violation? I'd think that would be part of validation. jlynn ============= All they want to do is furnish a copy which may be a forgery. The END ************************* LB 59
========== I had an out fit send me forged photo copies. Needless to say I will not pay on anything but an original check from now on. The END ************************* LB 59
Re: Re: Re: Re: violation? If this is the first communication they've ever sent you, I believe it is a violation to demand immediate payment as they are supp. to give you 30 days to dispute the debt first.
unless they actually intend to pursue criminal charges they arent' allowed to threaten it. Proving it's just a threat would probably be tough though..
