@scorepower wrote:Hello,
Couple of days ago i received a call from Sentry Recovery Systems about a past debt about an apartment lease in Las Vegas. They actually called me at my workplace. Needless to say, i was furious. I called them back and advised that my employer restrticts calls and i can't receive it it work. They said they can call me once then transferred the phone to another guy. I told him the same thing and he told me we will then just serve you. I said go ahead and he hung up on me. I'm still fuming. They have called me a couple of time previously to tell me about the debt. I have formally never received anything in writing from them. So here's my steps:
- 1) I'm certifying a letter for them to only contact me at the numbers i give them and my address.
- I'm requesting a DV from them.
My question is, can they still call my employer? If they do, do i have any other recourse? Any other steps i should take?
Just a little history about the debt: I lived in Las Vegas for 2 years for work and rented a small apartment. When i left, i took pictures and spoke with the leasing agent and turned in the keys. My mistake was i had to leave over the weekend and they said no one could inspect the apartment over the weekend. I figured the pictures would be OK. Anyway, few months later was when i received a call about this debt. I was shocked and told them i would call the apartment complex. The apartment said they sold the debt and they could not help me anymore. The debt collector called me a couple other times within a year and i just ignored them as i don't agreee with this debt.
Is there any other steps i should take with these jack@$$'es ?
Arrrrrrrgh.
Thanks
They can call your work...once. You must tell them it's not appropriate for work contact, and provide alternative contact number, but advise them you'll only respond to written communication.
That phone call is their initial communication, so make sure they get that DV within the 30 day window. If timely, then they can either reply, or ignore your DV. If they ignore it, then they can't legally pursue any collection activites, until the validation occurs. If they do continue to call/mail after the DV reciept is verified (sent it CMRRR to them BTW), document the call times/dates, and save letters...then get a consumer debt atty for violations, which will most assuredly cost you nothing upfront.
@seruby wrote:
@Burned2manybridgesB4 wrote:
@scorepower wrote:Hello,
Couple of days ago i received a call from Sentry Recovery Systems about a past debt about an apartment lease in Las Vegas. They actually called me at my workplace. Needless to say, i was furious. I called them back and advised that my employer restrticts calls and i can't receive it it work. They said they can call me once then transferred the phone to another guy. I told him the same thing and he told me we will then just serve you. I said go ahead and he hung up on me. I'm still fuming. They have called me a couple of time previously to tell me about the debt. I have formally never received anything in writing from them. So here's my steps:
- 1) I'm certifying a letter for them to only contact me at the numbers i give them and my address.
- I'm requesting a DV from them.
My question is, can they still call my employer? If they do, do i have any other recourse? Any other steps i should take?
Just a little history about the debt: I lived in Las Vegas for 2 years for work and rented a small apartment. When i left, i took pictures and spoke with the leasing agent and turned in the keys. My mistake was i had to leave over the weekend and they said no one could inspect the apartment over the weekend. I figured the pictures would be OK. Anyway, few months later was when i received a call about this debt. I was shocked and told them i would call the apartment complex. The apartment said they sold the debt and they could not help me anymore. The debt collector called me a couple other times within a year and i just ignored them as i don't agreee with this debt.
Is there any other steps i should take with these jack@$$'es ?
Arrrrrrrgh.
Thanks
They can call your work...once. You must tell them it's not appropriate for work contact, and provide alternative contact number, but advise them you'll only respond to written communication.
That phone call is their initial communication, so make sure they get that DV within the 30 day window. If timely, then they can either reply, or ignore your DV. If they ignore it, then they can't legally pursue any collection activites, until the validation occurs. If they do continue to call/mail after the DV reciept is verified (sent it CMRRR to them BTW), document the call times/dates, and save letters...then get a consumer debt atty for violations, which will most assuredly cost you nothing upfront.
Don't they have to send a dunning notice first? I believe under the FDCPA, they have to send it within 5 days of the initial communcation, then the 30 day time frame for the dunning letter begins.
By the letter of the law, yes, five business days, but nobody has ever successfully won over that little detail, as it comes to burden of proof, as far as the dunning from them goes.
You have a thirty day window from their 1st contact, to get that DV sent to them, and in their hands. That's why you always want to do CMRRR.
@scorepower wrote:Thanks All. I just used the template i found here that is very thorough. I'm certifying mail and sending it out today.
Don't put a signature, or your SSN on it. Just your address, name, and their listed acct number, if there is one.
Keep it simple, and nothing threatening..i/e legal mumbo jumbo.
That's a joke letter, they don't have to comply to any of that beyond, them stating a balance, and the OC's name.
TO: PAIN IN MY BUTT
FROM: NAME/ADDRESS/
REF: ACCT NUMBER ON DUNNING
I DON'T RECOGNIZE THIS DEBT. YOU'RE REPORTING IT ONTO MY CREDIT FILES. PLEASE VALIDATE THIS DEBT.
THANKS,