Steve [Not A Lawyer]
Bradenton,#2Consumer Suggestion
Mon, January 15, 2007
Lewis, The only thing these crackheads understand is a lawsuit. Sue them for your time, expenses and aggravation in dealing with this frivolous collections attempt. Send a DEBT VALIDATION request to them as per the FDCPA. Clearly dispute the debt, and demand to see whatever signed contract exists that created the debt, as well as a full account history including prior collections attempts by the original creditor and an itemization of charges. Also demand proof that they own the debt including the sales contract, proof of payment, and amount paid, as well as a chain of title. DO NOT sign the letter, just print. Send this letter 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. Now, when they violate, or fail to comply, you sue them.