07-26-2013 12:45 PM
Just curious. Anyone out there have any experience or know anything about this collection agency? They arbitraility ruined my credit with a pop-up junk collection from 2007, posting as new collection.
07-26-2013 10:11 PM
07-26-2013 10:52 PM
Man I just had the the same thing happen. Right after my bk discharged last month it showed up and my score dropped 30 points! Then a few days later it was saying included in bk. It was a old Comcast collection that I included in bk. At least its showing as iib I guess
You know that by them reporting this collection it is a violation of the automatic stay. Reporting is a collection activity.
Write a letter advising the collection agency that they are in violation of the automatic stay by attempting to collect a debt after the filing date. Include excerpts from the bankruptcy code applicable to debt collection activities not allowed once a stay is in place, and indicate that it doesn't matter whether or not they were aware of the stay at the time of initiating the collection -- once they became aware, they were obligated to delete any reference to the collection initiated after the BK filing or they'd be in violation of the automatic stay. You are also entitled to sue and collect attorney fees and possible damages in the event a creditor willfully violates the stay, so include that language too.
Make sure you include your BK case number.
07-26-2013 11:56 PM
07-27-2013 07:51 AM
Yes, it appears that it is for comcast. How much is your bill for? Mine is $131. I believe it is for the equipment too. which I recall returning as well in Florida back in 2007!!! They have ruined my credit score!!! I sent them a validation letter with statutes and certification and I reported them to CFPB. Let us see, I expect to get this cleared. I have about 15-20 days to do so. I sent that letter 5 days ago and have not recieved the return receipt??
07-27-2013 10:51 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO