Helpppppp!!!

[Melanie220]

Yesterday

[guiness56]

They can't threaten you with a law suit if they don't intend to do so.  Violation of the FDCPA.

[DaBears]

Send the DV CMRRR asap. ceases them from collection until validated.

[Melanie220]

Hmmm so what's my next step? I've already filed a complaint with BBB.DV will be sent out in am. Called twice and no return call.,, really don't know what else to do

[cqdealer711]

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@guiness56 wrote:

They can't threaten you with a law suit if they don't intend to do so.  Violation of the FDCPA.

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that would be next to impossible to prove though? 

[DaBears]

+1 Guiness is very knowledgeable and I have learn a lot

[DaBears]

That's where you get a consumer attorney invovled!!!! They do exist!!!

[Melanie220]

Can they place this on my CR again????

[Melanie220]

We have one in town. I'll call Monday morning to get advice! Thanks guys. You are awesome and always have great advice! Myfico forum is definitely the best!

[guiness56]

No not really..  Do a search for case laws on the matter.  One court ruled that, so, they said they were but didn't, so no harm no foul.  (I'm paraphrasing here).  But, the consumer appealed and the higher courts said yes, it is against the FDCPA, because it was deceptive.

  Brown v. Card Service Center ,