Darren
Bowersville,#2Consumer Suggestion
Thu, December 13, 2007
Here is a suggestion. The person above has given you some information yes. But let me be honest, I do not think it is great. First off you owe the debt, maybe thru no fault of yours the interest came up. However that is something you have to live with. It is part of contract & binding. Asking for a validation is for cases where you think you do not owe the debt. Speaking with the original creditor is not the solution as they themselves will not speak to you becuse they have a contract with the collection agency. Being a Bill collector myself here is what i suggest ( and i will keep it simple) 1. Fax them a letter stating that you want a partial payment agreement & explain your situations. Alternatively mail one to them. 2. Insist on speaking to a supervisor if the agents are not willing to listen. 3. Make the arrangement with them over the phone. I would also suggest that you look into your finances, check with relatives or friends who are willing to help out & see if you can gather around 50% of the debt & settle it. Collection agencies will settle. While on the call with them, try not getting frustrated & focus more on a resolution. I have suggested this way out as a Validation or dispute will go no where & you will be wasting precious time. Eventually you have to get the debt paid off, niether the dispute method or contacting the original creditor will help but will be a waste of time & will accumulate more interest. Take Care & All the best
Robert
Buffalo,#3Consumer Suggestion
Thu, September 20, 2007
but you have to "put them on notice" first. Things to do: FIRST - Read the Fair Debt Collection Practices Act at http://ftc.gov/os/statutes/fdcpa/fdcpact.htm. SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account; Show me that you are licensed to collect in my state; Provide me with your license numbers and Registered Agent. THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter. It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt. Good Luck.