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Greetings and welcome to My Fico.
"I'm in law enforcement" <<----- Thank you!
I don't know about the Chapter Communications collection, the dispute you opened is good also send a debt validation letter to the CA as listed on your report.
If you don't have your actual reports get them for free at https://www.annualcreditreport.com/index.action
As for the calls, they sound like a scam. I get them on both my cell & home phone. "Four serious delinquencies and you will be picked up by the local cops" Yeah m-kay.. If that's the verbiage than it is most definitely a scam.
Seems like you're getting the setback under control, keep plugging away at it.
Good Luck to you.
CHEERS
ETA Discover is a good start for secured.. Also check out credit unions.. PenFed might be a good fit for you..
Threatening to take legal action that they have no intent to take, threatening arrest or jail, or calling third parties and disclosing the presence of any debt owed by a consumer, are all violations of the FDCPA.
You can file a formal complaint with the CFPB, and/or bring civil action against them for recovery of statutory damages under the FDCPA of $1,000.
@RobertEG wrote:Threatening to take legal action that they have no intent to take, threatening arrest or jail, or calling third parties and disclosing the presence of any debt owed by a consumer, are all violations of the FDCPA.
You can file a formal complaint with the CFPB, and/or bring civil action against them for recovery of statutory damages under the FDCPA of $1,000.
Do you have to actually speak with said company and they threaten you or is just the fact that they leave the message on your answering machine or VM enough? I've had a couple of these types of calls as well and honestly don't know who they are supposedly collecting for because I don't answer the call, nor do I call back. I figure if they can't leave who they're calling on behalf of that I'm not bothering with it.
Leaving the message on a voice mail would likely be legal gold in court, as it is solid evidence, assuming the court finds the electronic message to be admissible.
An argument in court that the debt collector left the message with the reasonable assumption that the consumer would never hear it, and thus it is not an implication or representation made to the consumer, would likely not prevail.
One leaves a voice mail with the reasonble assumption that it will be heard.
I would consider the voice mail as better than an unsubstantiated, he-said, she-said, verbal statement.