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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.
This is a scam law firm they harass and intimidate consumers who do not know their rights.
Send them a debt validation letter making them prove the debt is owed .
Also check with your local state bar to see if the attorney is licenced to practice in your state .
Hope this helps
@derringhouse wrote:
This is a scam law firm they harass and intimidate consumers who do not know their rights.
Send them a debt validation letter making them prove the debt is owed .
Also check with your local state bar to see if the attorney is licenced to practice in your state You mean to check your AG website to see if they are required to have a Lic to collect. Some states don't require it. Some due.
Hope this helps
They do not have to respond to a DV even if timely!!!!
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.
I am an author and credit consultant and was a bill collector for five years so I know this is a fact.
I use debt validation letters all the time to help my clients erase bad credit and raise their credit scores.
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.
Have A Great Day
That is Texas. Texas has probably the harshest laws for CA's I would love to live in that state lol. Unfortunately other states are not like Texas!!!!! There is 2 states WI and Missisippi that debt once charged off does go away and does not need to be paid on ever.
Fdcpa laws apply to all states .
The debt collector has to validate the debt or the debt is not valid..
@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.
@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
Starting my rebuild!
They are not required to prove you owe a debt, only that a debt is owed.