Here are the facts. We are in Georgia. Wolpoff & Abramson is collecting on behalf of MBNA. We sent a DV CMRRR. Within 30 days they responded with a computer printout of some sort and copies of monthly statements from May 2004 to May 2005. The amount they're seeking to collect is only about $1 more than the May 2005 statement balance. I believe the DOLA is January 2005, that is, the last time a payment was made on this account. Since our DV was received by their office, they have nonetheless continued calling. Initially, the left messages and, then, as of late they haven't left messages. I know their repeated calling are violations, i.e. continuing efforts to collect. However, I'm concerned about the nasty antics of this company. Review of other discussions indicates that this CA is famous for forcing arbitration, predicated on a forced arbitration notice that MBNA sends out early in the account history. From what I understand, they typically win at arbitration. In turn, they get a judgment pursuant to the arbitration award. Accordingly, I'm trying to think of the appropriate way to respond. Should I simply respond asserting that their attempt at validation was not proper? Should I send Why Chat's Letter to Refuse Arbitration? A combo of the two? I'm a little nervous here, given W & A's notoriety. Please advise. I'm so lucky to have found this board.
You requested validation, they sent it. Is their validation adequate to determine the legitimacy of the amount they are trying to collect? Is there a reason they should not call? Did you request that they only contact you in writing?
