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[MISSION ACCOMPLISHED] CA Is Claiming I Owe Them A Debt. Please Help!

Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

Would calling the CA be futile?

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Message 11 of 41
Moderator Emeritus

Re: CA Is Claiming I Owe Them A Debt. Please Help!



Justn wrote:
Would calling the CA be futile?

IMO, no point in calling the CA and I would not advise calling the CA.
 
I would send them a DV letter and speak with the apartment complex.
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Message 12 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

I called my dad and he said the original lease that I signed was fulfilled and not broken.

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Message 13 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!



sidewinder wrote:


Justn wrote:
Would calling the CA be futile?

IMO, no point in calling the CA and I would not advise calling the CA.
 
I would send them a DV letter and speak with the apartment complex.



Can I send a DV to a PO Box? Thats the only address I have for them. No address or name for the CA is showing on my CR from TC.

Starting Score: 702
Current Score: 728
Goal Score: 760


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Message 14 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

Google search the company name.
For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin
Message 15 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

Ok, I used a template provided by Lady_Scarle for my DV letter. I am going to send it certified mail it in about 3 hours. This thing is driving me crazy. I can't sleep because of it. Thanks everyone I'll keep you updated.

Message Edited by Justn on 07-25-2008 04:55 AM

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Current Score: 728
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Message 16 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

How would I go about filing a lawsuit against the CA. If I understand the Laws correctly, I am entitled to $2,500 because the CA will not be able to validate this debt.

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Current Score: 728
Goal Score: 760


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Message 17 of 41
Moderator Emeritus

Re: CA Is Claiming I Owe Them A Debt. Please Help!



Justn wrote:

Can I send a DV to a PO Box? Thats the only address I have for them. No address or name for the CA is showing on my CR from TC.

PO Box is fine.
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Message 18 of 41
Moderator Emeritus

Re: CA Is Claiming I Owe Them A Debt. Please Help!



Justn wrote:
How would I go about filing a lawsuit against the CA. If I understand the Laws correctly, I am entitled to $2,500 because the CA will not be able to validate this debt.

Which law?
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Message 19 of 41
Regular Contributor

Re: CA Is Claiming I Owe Them A Debt. Please Help!

I got the idea from one of the DV letters on the forum. It says:

"If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter."

Maybe I don't understand or maybe the letter is wrong, but It just doesn't seem fair to me that a CA could put an CO anyones credit report they want to. It just doesn't seem fair to me.

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Message 20 of 41