I recently purchased a home after re-establishing my credit and I had to collections for CSC placed on my credit report for 2 credit cards that I went delinquent on back in 02/2002. Since my application for the loan went through, these people have been calling me on my cell and at work and saying if I do not make any payments or attempt to settle the account that they will have a police officer come to my office and serve me with papers to go to court. They also said that if I do not show up at court, the judge will automatically issue a judgment on their favor and that they will then get a garishment against my wages for up to 25% of my pay. Is this correct?
Now does anyone know the SOL in Texas for credit cards? I thought it was 4 years and therefore they would not be allowed to get a judgment against me. And secondly, is there anything that I can do to get them to stop harrassing me for payment? I know that if I make a payment to them my SOL will start all over again.
Send them a DV CMRRR and the past SOL Do not sign either just type your name!
Read and make corrections where needed
Also file a complaint with your AG office the AG office in the state where they are and the FTC
CERTIFIED MAIL #: _______________________________________________________ Your Name Your Address YourTown,, State ZipCode
Debt Collection Company Name Their address Town, State ZipCode
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.
Past SOL letter
Your Name Your Address
Collector's Name Collector's Address
RE: [insert account number or name of account or name of debt]:
Dear [insert collector's name or company name],
This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2005], concerning the collection of the above referenced [account or date].
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.