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Anna,#2Consumer Comment
Thu, November 02, 2006
Once again, your lack of the basic fundamentals of grammar, spelling, and punction leave me dumbfounded. But, you have now climbed to a new high (or low). You see, in this country, someone is considered "innocent" until proven "guilty". You might want to review our Constitution. Where in the h#ll do you get off telling someone that the burden of proof is on them? How is he supposed to prove he is innocent when he knows nothing about the alleged debt? Just what do you think "validation of debt" means? I would also like to know just where you went to school. I want to be more than sure that none of my grandchildren attend it.
Steve
Bradenton,#3Consumer Suggestion
Thu, November 02, 2006
David, The first rule is to NEVER speak to any debt collector on the phone. It will never do anything positive for you, and in most cases will make things worse, as you have found out. Now, CONTRARY to the bad advice given to you by the former CBCS collector Brainless Natira, the BURDEN OF PROOF is ALWAYS on the collector to prove that you owe the debt. You NEVER have to prove anything to anyone that you do not owe the debt. This is FEDERAL LAW. It can be found under the FDCPA section titled DEBT VALIDATION! All you need to do is send a DEBT VALIDATION request by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This is very important for when you SUE them. In this request clearly dispute the debt, and DEMAND to see whatever you signed to create the alleged debt as well as a full account history. Also inform them that debt validation materials will be the only acceptable communications and that all other communications and/or collections activity will cease immediately.
Natira
Columbus,#4UPDATE EX-employee responds
Wed, November 01, 2006
my dear the burden of proof is on you obviously you need to send in the rebate the rebate proves you didnt owe any thing and you where with a nother co after you send that in and dont be scared of ink! the cannot and wont ruin your credit its ment for those who refuse to pay the bill so just sent the rebate to 230 e.town street columbus oh i forgot the zip but they will get it and make sure it is a copy