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Even if the information is invalid, you shouldve informed them that it is instead of ignoring it as they have provided their proof, which allows them to proceed to contact you in attempt to collect the debt. You can tell them to cease all contact with you, employer, etc in writing (either by a valid email, but its preferred that its by certified mail). The address they may be using could be a virtual office so it might not even be a place they are physically located at, so keep that in mind. They cannot garnish wages without a suing and getting a judgement and any continued threats without any real intent of suing is a voliation of the FDCPA. Speaking of which, other than your wife and attorney (if you ever hire one), if they talked to others in regards to your debt, including employer, that is also a voliation of the FDCPA. They are allowed to contact them, usually once, to find out your address, number, etc., but nothing more.
EDIT: If you do owe a debt but the information is invalid to your knowledge, I would suggest getting confirmation from the original creditor, if possible. This CA sounds like they are blowing empty threats in hope of you paying, but if the DV came back invalid, dont pay anything. Do research, dig around, and dispute it. They could be in hot water if they are also altering records.
Sorry but most legitmate law firms do not call and tell you they are coming to serve you, that kinda defeats the purpose. And they certainly can not tell a "third party" that they are serving you papers.
I think this company is full of crap.
@Jnbmom wrote:Sorry but most legitmate law firms do not call and tell you they are coming to serve you, that kinda defeats the purpose. And they certainly can not tell a "third party" that they are serving you papers.
I think this company is full of crap.
if it is a "company" at all.
OP, I would keep doing research. Definitely sounds like a scam, and if it's not, they're still violating FDCPA laws regardless, and you could sue them back for it.
Sounds like a bottom feeding scam and their FOS. If they answer your letter. Which they probably wont. You got enough there to go after their hind ends with a nice lawyer who'd love to make some money if it's legit. Make sure you add to cease and desist all calls to anyone in your letter. That is if they even have an address.
@Anonymous wrote:
September 2013 was dofd, debt was sold in 2015 but no payments ever made. SOL in PA appears to be 4 years
Ok, even though it may be past SOL they can still sue and its up to you to use SOL as your defense to get the case kicked. This place sounds like a bogus outfit but better safe than sorry, I would check with your local courthouse to see if any suits have been filed on it and if there is you need to respond to it using SOL as you defense. Most reputable outfits never call to make threats of suing a marshall just shows up with papers and serve you with them. If the debt is yours and you want to settle it I would deal with the current debt owner directly.