Georganna
Palmer,#2Consumer Suggestion
Thu, January 10, 2008
I'm sure by now you have contacted an attorney and have discovered that Vanderbuilt is a client of every major law firm in every state it does business. A lawsuit may require a large up-front fee. You may have already been told that there is no federal law that has been violated (with the exception of a theft; perhaps). You must go through the state. Where you live, Vanderbuilts home State of Tenessee and/or Oakwood's in North Carolina. I would suggest to you that while you are pursuing legal and criminal avenues; you also file a complaint with all 3 State Attorney General's offices. Make sure you send them copies of everything you have, including police reports. Make sure your complaint includes a sentence in which you specifically ask for their intervention. Privacy laws may prevent them otherwise. At some point you will need to dispute your debt with Vanderbuilt to protect your credit and income while your legal action is being resolved. Start by sending them a letter of dispute such as this: (Todays date) (Your name and address) RE: (account number) (their address) Dear (their name), You are put on notice that the above referenced debt is disputed in it's entirety. I hereby request verification of the debt, and such verification is to consist of a copy of all contracts and agreements between parties, documentary proof of perfomance of the contracts by the creditor and all business records of the creditor concerning the alleged debt. Pursuent to 15 U.S.C. 1692-1692p. yours truly, (your signature) They may not comply. They may continue to harrass you. Greed does not give up easily. Just continue to forward copies of all correspondence (including your dispute letter) to the State Attorney General's and continue your legal and criminal pursuit. note: 15 U.S.C. 1692-1692p is Federal Fair Debt Collection Law.