Gross Williams and Assoc.

[traveler2005]

Hi

I received a call back on 2/2/12 from this company in regards to a payday loan. I told the collector that he would have to communicate what the issue was in writing. Never received anything from them. On march 14 or there abouts I received another phone call from the same company. I told her that I had spoke to a man back on 2/2/12 and had never received anything. I received a letter on March 27, post marked on March 22, and letter dated March 14th. I know the dunning letter was not sent within the required time. It also didn't state that it was an attempt to collect a debt, or that I had 30 days to respond etc. So do I need to DV this letter, or a letter that lets them know that have violated the FDCPA rules or both.  What should I do?  It is 5.5 years old, within the SOL for my state. Not reporting on my credit report. Approx 700.00  Thank you in advance!

[llecs]

I'd mail a DV letter soon.

[traveler2005]

Thank you, I sent one out today, Do I do anything about the insufficient dunning notice, or leave it alone for now?

[llecs]

Use this moment for fact-finding as opposed to pointing out violations. IMO, use the violations as leverage at a later time.

If you never received a letter within a few days of their first contact with your last month (2/2 IIRC), then they violated FDCPA 809. Read the FDCPA. It has exactly what the CA must include within the dunning letter, or any subsequent letter as far as that goes.

[traveler2005]

Thank you, I will follow advice, wait and see what I get back. I have saved everything related to this. Thanks again.