David
Beaverton,#2Consumer Suggestion
Sun, August 10, 2008
14 years, 13 years? Yup, time for the gloves to come off! Keep your proof you have that you paid that off some time ago. Don't lose it. Also, keep all of the harassing notices you've received from the collection agency and also keep a written log of dates and times of all phone communication and what was said and by whom. Second, send them a cease communications letter like this sample included. After you've sent the letter via certified mail, file formal complaints against the collector with the Federal Trade Commission, your state's Attorney General's Office and the American Collector's Association. Good luck, fight the fight! (Collection Agency) (Their address) RE: (Their account number and original creditor if you know it) Dear Collection Agency, This will serve as your legal notice under federal law of the Fair Debt Collection Practices Act of Congress (FDCPA), to cease ALL communication with me in reference to the above account. If you don't follow this notice, I will be forced to file a formal complaint against you with the United States government agency, the Federal Trade Commission, who is responsible for enforcement, the state Attorny General's Office and the American Collector's Association who monitors collection agencies for non-compliance with this federal law. I have decided that I don't desire to work with a collection agency under ANY circumstances. I will contact the alleged original creditor of this alleged debt to resolve this matter directly. You are also notified that if any adverse items are placed against my credit reports as a result of this notice that I will be forced to take appropriate action against your agency, your client and any person employed by either who violates this federal law, with civil and/or criminal charges. Give this matter the attention it deserves as the consequences could be severe. Very truly yours, (Sign your name) (Type your name)