This is a little different than I've seen before. My situation is that an account of mine was given to Sherman Acq. then was passed over (they say they think it was handed over, not bought, by their "law firm" then it was given to a law firm in my state for "finalization." My question on whether the middle law firm violated the FDCPA by calling me after I had requested validation from the last law firm, over 30 days ago (second validation letter is going out tomorrow). I was told by the lady that they called on the account in error, since it had already been sent to the last law firm. Not sure if this is a violation or not, since they probably wouldn't have known about the validation letter sent to the last law firm. Just looking for a violation, though. They left a message for me saying I needed to call them back ASAP on this account. This is when I called, armed with what I'd learned here. I think when I started asking them about how they acquired the account, why I was called from their office when they now say it was in another CAs hands, etc. that they didn't go any further. Anyway, just fishing for some $$. Thanks!
If the account is yours, consider ultimately paying on it. At the same time, the middle or latest CA probably didn't receive your request for validation. Probably no violations--yet. Send them validation request.
I forgot to add, in my haste to post this before leaving work, that they contacted me by phone after I sent a letter to Sherman stating that they may only contact me via mail or fax. Since they got this debt from Sherman, I believe they have to honor that limited cease and desist, too. How about this for a violation?
Well, they called again (it's an automated phone system) this morning at 8:37am. It said to call them about an important business matter. Any way I could construe this as being collection of a debt they don't have? In addition, it was before 9am, too.
