Conrad Credit Corp, Anyone have advise?

[Anonymous]

I am thinking about bring suit against Conrad Credit Corporation.  I have sent multiple DV letters, starting with standard FDCPA.  Got a typical response where they sent me one page of contract with a signature on it.  Technically, that validates per FDCPA.  I then have moved to Texas Finance Code 392.101,202,303?  Basically, show me your bonding info, show accounting of alleged debt, show where I owe Conrad I owe them the debt, and more.  They keep sending me back the same response over and over.  I have sent complaints to the BBB of San Diego, AG of Texas and California, FTC, and ACA.  They keep updating my credit files while I am disputing this debt. Isn't this illegal?  I have disputed the debts with CRA's and they all come back verified.  I have now sent the CRA's a MOV letter and I am awaiting response.  What's next in this process?  I have been fighting them for 4 months now and nothing has come back verified.  Conrad's response to BBB of San Diego was that I admitted to this debt and I rebutted that statement saying that they only sent me an "alleged contract with an alleged signature on it."  I did not admit to anything.  Is Conrad Credit Corp violating my rights per Texas Finance Code?  I have sent Certified RR letters to the two people I have had contact with and the CEO/President of the company with an ITS.  I have received no response back, as of yet... They have about 1 more week to respond.  Do I have a case here?

[Anonymous]

Was it not your signature? 

[RobertEG]

you have a multi-state jurisidctional issue that probably needs advice from an attorney.

If you were not a resident of Texas at the time you DVd, and they repsonded, I doubt that later moving to Texas would render their prior validation susceptible to Texas state civil code.

Disputes under the FCRA dont trigger the requriement for cessation of collection activity.  Only a DV letter does that.  If their resumption of reporting to the CRAs occured after they verified, there is no FDCPA violation.  When did they verify, and when did they resume collection activities?

If you dont consider their validation to be proper, and they do, then the issue of their resumption of collection activities is something that must be determined first by a ruling on the adequacy of their verification.  That may requrie legal action, as in most cases, verification is a matter of interpretation of FDCPA 809(b). 

[Anonymous]

I have always lived in Texas.  I don't know if I stated that all payment were to be made payable to American Payment Services.  That is what was on the first page of the contract.  They have proven nothing to me that they own or have been assigned the debt.  I continue to DV per these requirements and they keep sending me the same garbage.  They are still reporting.

[veracious]

As RobertEG stated ,the advice of an attorney is recommended.

Sometimes, on a self-help basis,  attempts to resolve difficult negotiations with unruly

participants is best left to those with such ability.   I speak from experience. My problems were solved expeditiously,

when I contacted a prominent, competent Consumer Advocate Atty.

Just my 2cents.    Good luck.

[Anonymous]

Thank you Veracious....  I have contacted an attorney but I was seeing what MyFIco thought....