Franklin Collections...pay first then get delete letter.

[Anonymous]

I have a collection account showing on two of three CR's; TU and EX. I had it succesfully deleted from

EQ because of the address they had listed was not up to date. It was for a medical bill of my sons

that I didn't have any knowledge of. (He was spending the summer with his father). I have already paid

the medical bill directly to the hospital after submitting it to my insurance company and being turned

down to due filing sooooo late. I can only assume that all bills were going to the ex because the

hospital was using an address that had not been updated in 5 years. Franklin Collections is still

wanting 163.50 for the collection fees, and a 5.00 fee for a deletion letter which they say they can't

provide until I pay. This sounds a little fishy to me. I can't get anything in writing saying that if I pay it in

full    that I will get a deletion letter. Of course the offer is only good until the end of the month and only

if I do a payment in full over the phone...reason being the lady I talked to said she is not the one who

posts the payments and all it would show if I sent a check was that it was paid but that it wouldn't be

removed. I told her I would call her back and record the conversation so at least I would have some

proof of what I was told. What do you think????

Message Edited by BACKONTRACK08 on 04-25-2008 10:51 AM

[Anonymous]

complete newbie but that sounds fishy even from a newbie here, i would have thought that a PFD is something before the fact, is't like an agreement in writing, once they have their money, what leverage do you have aside from their goodwill?

[Anonymous]

Im confused. You said that you paid the hospital??   Then you say that the CA wants payment again?

Never talk to a CA!!!!  Never sign anything (letters) going to the CA!!! Everything in writting!

When was the DOLA (date of service)?   What is your SOL?

IMO  it was the child's father that signed for the visit. I do not belive that you are responsible for the bill.

    how did they get your SS#      is the ins. in your name?   I also believe that all medical bills should be paid (at some point).

If you paid this already  why even think about paying again???

I would send the CA a DV  CMRRR!!!!! 

Message Edited by HappyDays on 04-25-2008 11:07 AM

[Anonymous]

Yes I paid the hospital the amount of the bill. The CA still says I owe another 148.50 for collection fees

that were added on once it was turned over to them. I was the one that had physical custody of my

son, the date of service was in 2005 turned over to CA near the end of 06. So the SOL does not come

into play. I agree, I have already paid the original bill and don't like the fact of paying for fees for a

bill that I never received. But if I was sure to get a PFD to have it removed before 2012 , it would be

worth the 148.50.

[Anonymous]

I just called the hospital billing deparment and they are sending me a statement showing a zero

balance. I also have a printout from the CA showing that I still have  balance with the hospital of

148.50.  How would you recommend me proceeding?

[Anonymous]

Send the DV letter to the CA    read it and make all changes needed and mail it CMRRR!

Do not be surprised if the update your CR to paid.........IF they do let me know I will tell you what letter to send after that.   I would say complain to the FTC  but you have nothing in writting.

Do not tell them that you paid the hosp.   never offer info to any CA....the proof is on them!

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. 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. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.
I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name

TYPE NAME  DO NOT SIGN IT

Message Edited by HappyDays on 04-25-2008 12:04 PM