Hello, Has anyone had any dealings with these people? According to the website they are debt collectors. I've been receiving calls them and they have contacted my brother to leave a message for me. I've never received anything from them and do not know what or for whom they are trying to collect. If I call what should I said. I don't want to get into an argument with them, I know how collectors can be.
Starting Score: 501
@derringhouse wrote:
Fdcpa laws apply to all states .
The debt collector has to validate the debt or the debt is not valid..
Yes, the FDCPA laws do apply to all states. Some state legislation is even stricter than the federal laws. Such as DV's in Texas have the option of using the Texas statute vs. the Federal one.
Under the FDCPA if a DV is sent within 30 days of contact, this will bar the CA from any collection attempt until such time as they are able to validate the debt. It does not require removal of any prior collection activity that may appear on one's CR though. They can send proper validation at any time and just continue the collection process.
Under Texas statute, they must reply within the 30 days of a timely DV or they must remove the TL. That's quite a big difference between the 2.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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June 2017 update: All scores over 820, just pure gardening now.
@derringhouse wrote:
In Texas where I live it is the secretary of state that determines if they need to be licenced not the attorney generals office.
They are required under the fdcpa laws to validate the debt or the debt is not valid and they do not have a right to collect on it.
This is true, however if they have posted on your CR, nothing states it must be removed if they do not validate. They can ignore a DV but they are barred from collection activity until they do provide proof.
I am an author and credit consultant and was a bill collector for five years so I know this is a fact.
You have come over from the darkside. j/k.
I use debt validation letters all the time to help my clients erase bad credit and raise their credit scores.
DVs are very good tools when used properly.
Because this law firm tries to fool consumers into thinking they are being sued consumers need to check to see that the attorney is licenced
to practice law in their state . Most so called law firms never do file suit to collect debts as many are not licenced or are barred from practicing
in certain states, So this is very important information to know.
It is a clear violation of the FDCPA to threaten legal action when no legal action is intended or able to be pursued.
Have A Great Day
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
How can account continue to report to your CR if the company can't prove that you owe a debt?
