C
Denver,#2Consumer Suggestion
Wed, January 17, 2007
Speaking to them was a waste of time, since they will only try to fish out more information from you and I wouldn't trust what they might do with it. Per the Fair Debt Collection Practice Act (FDCPA, google it and you'll find out about your rights under the Act), you should send them a request to VALIDATE the debt within 30 days of receiving their collection letter. If they have not told you the debt amount and the info for the original creditor, they must get that to you within 5 days of their first collection. Request any and all documentation from the establishment of the account to prove that it is yours. If they are unable or unwilling to document this debt, they will not be able to contact you any more, nor should they be able to continue to pursue the debt with you. You should be able to send a certified letter, return receipt requested to a PO Box, I did for our bogus collection from them and the post office had no problem when I sent it. Write the number from the certified stub on the letter itself also to prove what you sent and keep copies of everything. Furthermore, I did not sign the letter, just typed my name as they had it on their collection letter with no personal information beyond what they put on the bill. I am not a lawyer, so follow up on the FTC website and other sites, such as (((ROR REDACTED LINK FOR SECURITY PURPOSES))) which were really helpful to me. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.