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EnergyPaws
Registered Member
Posts: 3
(3/21/06 2:10 pm)
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Edited by: EnergyPaws at: 1/24/07 1:48 pm
Bookworm
Registered Member
Posts: 373
(3/21/06 8:46 pm)
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Re: Bordering on Lying to me
GOOD FOR YOU!!!

That guy must be dumber than a rock to think you'd forget so quickly or fall for his ruse.

But you're not!!:)

Ginny

EnergyPaws
Registered Member
Posts: 3
(3/24/06 11:42 am)
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Edited by: EnergyPaws at: 1/24/07 1:48 pm
Bookworm
Registered Member
Posts: 378
(3/24/06 1:48 pm)
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Re: Bordering on Lying to me
Negative on the attorney. You'd file in small claims court in most states. But don't file too quickly. You can send them an "intent to sue letter" mentioning their violation of the FDCPA and the penalty allowed.

But, we'll cross that bridge when/if we come to it, okay?

Ginny

EnergyPaws
Registered Member
Posts: 3
(3/24/06 2:08 pm)
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Re: Bordering on Lying to me


Edited by: EnergyPaws at: 1/24/07 1:49 pm
EnergyPaws
Registered Member
Posts: 4
(3/27/06 3:34 pm)
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Re: Bordering on Lying to me


Edited by: EnergyPaws at: 1/24/07 1:48 pm
crspecialisthotmailcom
Unregistered User
(3/29/06 7:25 am)
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Bordering on lying to me
Hi,

The next step that you need to take is to report the creditor/collection agency to the FTC. You can find the information to report this violation on the website at www.ftc.gov . Make sure that you have copies of the supporting documentation. The FTC will do the rest.

Bookworm
Registered Member
Posts: 386
(3/29/06 7:44 pm)
Reply

Re: Bordering on lying to me
Sorry. but I missed an important point in your first post. Been a bit busy getting my father's final affairs taken care of so the brain is not totally organized.

You said you'd received some letters from the "friendly dog owner/collection agent"? Have you sent him a validation of debt letter? That's very important! He has to prove you owe the debt and he has the right to collect. You'll find a sample at www.creditinsiders.com/letters. Send it certified, return receipt and modify the sample to fit your situation.

Once he gets that, he can't even attempt to collect until he's validated. I shut up one of the nastys by doing the VOD letters and they've been quiet for over a year now because they can't prove they own the debt.

Try that one right away!

Ginny

EnergyPaws
Registered Member
Posts: 5
(3/30/06 12:00 pm)
Reply

Re: Bordering on lying to me
.

Edited by: EnergyPaws at: 1/24/07 1:49 pm
Flyingifr
Registered Member
Posts: 107
(3/30/06 6:08 pm)
Reply

Re: Bordering on Lying to me
You will find sample ITS letters and sample summonses on my board: www.debtorboards.com

Bookworm
Registered Member
Posts: 387
(3/31/06 1:36 am)
Reply

Re: Bordering on lying to me
If this is a collection agency trying to collect, then the validation is to prove that the CA has the legal right to collect. If they do, then they have copies of the signed contract and other data that proves their claim to the debt.

Do check Flyingifr's site, too. He's been a regular contributor to this site and has a site of his own with additional valuable information.

Ginny

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