Robert
Buffalo,#2Consumer Suggestion
Tue, August 14, 2007
Mike, you wrote: "After three years, if the company or collection agency has sent you no communication and you have not communicated with them, they are barred from collecting the debt." This is not true. I know of no law that states anything even remotely as this. By your statement, all anyone who doesn't want to pay a legitimate debt would have to do is 'not communicate' for 3 years and presto, the debt cannot be collected. Utterly false! Who told you this??? Further, the SOL in CA for credit card debt is 4 years. You also wrote: "Once you dispute the debt or communicate with them, you validate the debt and they can collect." This is also completely false! Disputing a debt is NEVER considered a validation of the debt - read the FDCPA for yourself. I can't imagine why you tell people this, unless your a debt collector yourself and you're hoping people will ignore such communications so that you might win default judgements when you sue folks. Kindly explain (with cites from law) why you posted this gross misinformation.
Mike
McAllen,#3Consumer Suggestion
Tue, August 14, 2007
After three years, if the company or collection agency has sent you no communication and you have not communicated with them, they are barred from collecting the debt. I am surprized that the lawyer you consulted did not inform you of this. Once you dispute the debt or communicate with them, you validate the debt and they can collect. I received such a letter from AFNI trying to collect a debt from 1999 from a Voice Stream account I had (Voice Stream was bought out by Verizon). I have no intention of validating their debt.
Mike
McAllen,#4Consumer Suggestion
Tue, August 14, 2007
After three years, if the company or collection agency has sent you no communication and you have not communicated with them, they are barred from collecting the debt. I am surprized that the lawyer you consulted did not inform you of this. Once you dispute the debt or communicate with them, you validate the debt and they can collect. I received such a letter from AFNI trying to collect a debt from 1999 from a Voice Stream account I had (Voice Stream was bought out by Verizon). I have no intention of validating their debt.
Mike
McAllen,#5Consumer Suggestion
Tue, August 14, 2007
After three years, if the company or collection agency has sent you no communication and you have not communicated with them, they are barred from collecting the debt. I am surprized that the lawyer you consulted did not inform you of this. Once you dispute the debt or communicate with them, you validate the debt and they can collect. I received such a letter from AFNI trying to collect a debt from 1999 from a Voice Stream account I had (Voice Stream was bought out by Verizon). I have no intention of validating their debt.
Mike
McAllen,#6Consumer Suggestion
Tue, August 14, 2007
After three years, if the company or collection agency has sent you no communication and you have not communicated with them, they are barred from collecting the debt. I am surprized that the lawyer you consulted did not inform you of this. Once you dispute the debt or communicate with them, you validate the debt and they can collect. I received such a letter from AFNI trying to collect a debt from 1999 from a Voice Stream account I had (Voice Stream was bought out by Verizon). I have no intention of validating their debt.
Phillyc22
Quincy,#7Consumer Comment
Mon, July 30, 2007
I also received a bill from them for $918.72 for a verizon account i never opened. I will be sending the same letter to them however, do you know if this will effect my credit score since i am disputing this? and i did some research and someone opened this account 5 years ago under my name.