James34
Tonawanda,#2Consumer Suggestion
Tue, April 22, 2008
A third-party collector does not have the ability to change an entry on your credit report. The original credtor or the new owner of your debt can. Make sure you notify the owner of your debt that it has been paid or settled in full.
Joe
Austin,#3Consumer Suggestion
Sun, April 20, 2008
I hope you saved all your paper work that they sent you. You will need it when you send copies to your State's Bar Association and tell them that they are practicing law without a license. That is a felony where I live. make sure you document everything they did for you, everything they told you and all the claims they made and if they have business cards, so much the better. Did they have diplomas on their wall that were from acreditted law schools? There are so many things YOU can do to THEM! Don't threaten them, just DO it!
Tim
Valparaiso,#4Consumer Suggestion
Sat, April 12, 2008
Tarzana, Personally, I would suggest that you first send them a certified letter explaining the situaiton, demanding that you receive a "satisfaction and release" letter, and demanding that your credit reports be updated within 7 days. The letter should also state that you have spoken with an attorney (which I am) who has identified several violations of the FDCPA and the FCRA, all of which will be prosecuted if they do not comply. Give them two weeks to comply. If they do not, your best recourse is to find a good attorney. Attorneys who work in bankruptcy tend to be very knowledgeable about the FDCPA and FCRA. Further, the FDCPA and FCRA both provide for attorney's fees in successful cases. Best of luck!