Complaint Review: Southscott Lowery Law Offices Or Firm - Denver Colorado

I'm not a attorney and i'm not giving you legal advice or telling you not to pay your bill. What was the charge off date of this debt, from the original creditor? Never agree to any payment over the phone. all states have statute of limitation on debts, in S.C. its 3 years on a written contract(sccla.15-3-530). A partial payment or acknowledgment in writting tolls the SOL.(sccla 15-3-30). This money they claim to need 300.00 to hold the account until you get back to the states, that's bull. until you know more about this debt, who, dates, ect. don't pay them a dime. If you got a lawyer back in the states, he should take care of this for you.

First - thanks for fighting for us!! The collection agency's don't give a flip about laws, the disabled, those on social security, military personnel, SOL or whether you really owe the bill. They will lie to you every chance they get. all they care about is getting money. They purchased (or obtained the debt) for pennies on the dollar, so even if you owed $1,000 on the original bill they probably bought it for $20.00 to $30.00 at best. Everything over that $20.00 is GRAVY. google Soldiers and Sailors Civil Relief Act and there are numerous links telling you or your specific rights. from privacyrights organization on the web Military members should make an appointment with the local Judge Advocate General's office if contacted by a collector. The Soldiers and Sailors Civil Relief Act (SSCRA) provides protections for military members whose financial life is affected by military service. Visit the Department of Army's web site for information on how the SSCRA applies to military members, ((The sight will probably delete the URL so I took it out...) Going to the Army's web site will get you there .. SAMPLE LETTER DISPUTING DEBT .. Your Name Mailing Address City, State, Zip Date Name of Collection Agency Mailing Address City, State, Zip Re: Dispute of Collection Action: Case # ________ [If the collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency and/or identify the creditor by name if you can.] To [person whose name appears on agency's notice to you]: On [date] I was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt]. This individual is collecting on behalf of [name of creditor]. [OR] This individual would not tell me for whom you are supposed to be collecting. [OR] On [date] I received a written notice of the claimed debt, a copy of which is attached. This is to inform you that I dispute the debt because [insert reason for dispute, e.g. the agency has confused you with someone else or the debt was paid. Include copies, not originals, of any correspondence that proves your point]. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. [If you want to still speak to a collector by phone, indicate times when it is okay to contact you or note the name, address, and phone number of your attorney, if you have retained one.] I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter]. Sincerely, Your name

First - thanks for fighting for us!! The collection agency's don't give a flip about laws, the disabled, those on social security, military personnel, SOL or whether you really owe the bill. They will lie to you every chance they get. all they care about is getting money. They purchased (or obtained the debt) for pennies on the dollar, so even if you owed $1,000 on the original bill they probably bought it for $20.00 to $30.00 at best. Everything over that $20.00 is GRAVY. google Soldiers and Sailors Civil Relief Act and there are numerous links telling you or your specific rights. from privacyrights organization on the web Military members should make an appointment with the local Judge Advocate General's office if contacted by a collector. The Soldiers and Sailors Civil Relief Act (SSCRA) provides protections for military members whose financial life is affected by military service. Visit the Department of Army's web site for information on how the SSCRA applies to military members, ((The sight will probably delete the URL so I took it out...) Going to the Army's web site will get you there .. SAMPLE LETTER DISPUTING DEBT .. Your Name Mailing Address City, State, Zip Date Name of Collection Agency Mailing Address City, State, Zip Re: Dispute of Collection Action: Case # ________ [If the collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency and/or identify the creditor by name if you can.] To [person whose name appears on agency's notice to you]: On [date] I was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt]. This individual is collecting on behalf of [name of creditor]. [OR] This individual would not tell me for whom you are supposed to be collecting. [OR] On [date] I received a written notice of the claimed debt, a copy of which is attached. This is to inform you that I dispute the debt because [insert reason for dispute, e.g. the agency has confused you with someone else or the debt was paid. Include copies, not originals, of any correspondence that proves your point]. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. [If you want to still speak to a collector by phone, indicate times when it is okay to contact you or note the name, address, and phone number of your attorney, if you have retained one.] I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter]. Sincerely, Your name

First - thanks for fighting for us!! The collection agency's don't give a flip about laws, the disabled, those on social security, military personnel, SOL or whether you really owe the bill. They will lie to you every chance they get. all they care about is getting money. They purchased (or obtained the debt) for pennies on the dollar, so even if you owed $1,000 on the original bill they probably bought it for $20.00 to $30.00 at best. Everything over that $20.00 is GRAVY. google Soldiers and Sailors Civil Relief Act and there are numerous links telling you or your specific rights. from privacyrights organization on the web Military members should make an appointment with the local Judge Advocate General's office if contacted by a collector. The Soldiers and Sailors Civil Relief Act (SSCRA) provides protections for military members whose financial life is affected by military service. Visit the Department of Army's web site for information on how the SSCRA applies to military members, ((The sight will probably delete the URL so I took it out...) Going to the Army's web site will get you there .. SAMPLE LETTER DISPUTING DEBT .. Your Name Mailing Address City, State, Zip Date Name of Collection Agency Mailing Address City, State, Zip Re: Dispute of Collection Action: Case # ________ [If the collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency and/or identify the creditor by name if you can.] To [person whose name appears on agency's notice to you]: On [date] I was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt]. This individual is collecting on behalf of [name of creditor]. [OR] This individual would not tell me for whom you are supposed to be collecting. [OR] On [date] I received a written notice of the claimed debt, a copy of which is attached. This is to inform you that I dispute the debt because [insert reason for dispute, e.g. the agency has confused you with someone else or the debt was paid. Include copies, not originals, of any correspondence that proves your point]. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. [If you want to still speak to a collector by phone, indicate times when it is okay to contact you or note the name, address, and phone number of your attorney, if you have retained one.] I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter]. Sincerely, Your name