Question about validating a CA's license

[Anonymous]

 I'm new to the forums and have been totally amazed by the wealth of knowledge provided that until now I wast totally unaware of. Thanks to everyone who takes your valuable time to research and provide through answers to help.

Hopefully, someone can help by providing guidance and answers to my questions regarding collection agencies and license requirements.

I live in the state of Tennessee. I am receiving collection letters from NCO Financial Systems, Inc. 507 Prudential Rd., Horsham, PA 19044.

If a CA has an active license in the state of Washington but the Tennessee license has expired, is the CA in violation and what recourse do I have?

I recently searched and found that the licenses for the following NCO Financial Systems, Inc. locations both expired in the state of Tennessee on 12/31/2004.

507 PRUDENTIAL RD

HORSHAM, PA, 19044

400 LAKE SIDE DRIVE

HORSHAM, PA, 19044

Tennessee Code 62-20-105. License requirement. —

(a) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law.

(b) Regular employees of licensed collection services need not procure a separate collection service license.

(c) A licensed collection service maintaining more than one (1) place of business within the state shall register each place of business with reference to its specific location, name and purpose upon application for license and upon subsequent renewals of the license. The fees for each location for registration and renewal shall be established by the board.

[Acts 1981, ch. 170, § 5; 1988, ch. 823, § 6; 1990, ch. 1026, § 10.]

Tennessee Code 62-20-114. Requirements of collection service licensees. —

Each collection service licensee shall:

(1) Keep and retain for a period of three (3) years accurate individual records of collections, including the amount and date of payment, and the names of the debtor and creditor;

(2) Issue, upon request, individual collection receipts, showing the amount and date of payment, names of the debtor and creditor, and the balance (if any) remaining unpaid;

(3) Maintain a separate fiduciary or trust bank account with sufficient funds at all times to disburse such amounts as due all clients; and

(4) Maintain records and books reflecting the true condition of bank accounts at the end of each calendar month.

[Acts 1981, ch. 170, § 14; 1988, ch. 823, § 26.]

[Anonymous]

You mentioned Washington.  What does that have to do with your question?  If they are required to be licensed in your state and their license has expired, yes they are in violation.  It does not matter that they have active licenses in other states.

[Anonymous]

File complaints with the TN AG's office, the TN agency that handles licensing and the TN Comptoller's office.

Nice fines they are looking at, BTW...

[iltph]

Don't mean to hijack your thread, but where do you search to see if a company is LICENSED and BONDED? I just did a search on a few CAs in Maryland with the registered agent database and found some that were forfeited. Does this mean they are not licensed in my state?

If so, what is the best way to go about this? Should I print this page off and send a fax to the CRA and say they are not legally allowed to collect in my state?

Taxpayer Services Division

Entity Name: RICKENBACKER COLLECTION SERVICES, INC.
Dept ID #: F07270705

Principal Office (Current):
7568 MONTREY STREET
GILROY, CA 95020

Resident Agent (Current):
NO ACTIVE AGENT FOUND

Status: FORFEITED

Good Standing: No

Business Code: Ordinary Business - Stock

Date of Formation or Registration: 02/21/2003

State of Formation: CA

Stock/Nonstock: Stock

Close/Not Close: Unknown

[Anonymous]

If they are on your CR, file a complaint with your states AG office.  Yes, it means they are not licensed. 

[Anonymous]

Public License Search in Maryland (scroll to the bottom of the page

[iltph]

Thanks Lady_Scarlet!

Do you know of a site to see if a company is also bonded in the state of Maryland?

[Anonymous]

In order to have (and re-new) the license - they have to show proof of the bond to the state.

[Anonymous]

Business Information Legal Name: RICKENBACKER GROUP, INC. Trade Name: RICKENBACKER COLLECTION SERVICES Business Type: Corporation Street Address: 15005 CONCORD CIRCLE MORGAN HILL, CA 95037-0000 License Information Category: Collection Agency License Number: 3597 Expiration Date: 05 - 12 - 2008 Original Issue Date: 04 - 22 - 2003 Federal ID Number: 77-0426939 Status: ACTIVE

[Anonymous]

What is the DOFD  DOLA  on the debt that they are trying to collect????

They are not licensed in Tn.  file a complaint with your AG   their AG in Pa. and with the FTC   www.ftc.gov        all you need to say is...they are not licensed in Tn. (state law requires all CAs to be)

And they are trying to collect from me..........DO NOT LOSE that letter.

In the mean time  send them a DV  CMRRR    it will get their hopes up & they can not multiply their violations by reporting.  Keep a close watch on your CR!

Make changes where needed  do not sign  just type your name!

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   TYPED