I thought that this information would be helpful to all that have received letters and/or phone calls from Plaza Associates, Jefferson Capital Systems LLC, First North American National Bank, or any other RJM supposed Collection Agency in an attempt to supposedly collect an outstanding debit. Especially if, like myself, you know that this debit has been resolved or is in dispute.
I received the same falsefied letter stating I owed an alleged debit that was paid off back in 1991, but they were stating that it had a balnce on it that has not shown on my credit report and no other proof of debit to give me other than the garabage they were trying to feed me over the phone. I guess they did not know that I am an ex legal credit collector myself who knows the laws of credit collections.
The next couple of paragraphs I copied directly from the Federal Trade Commision site ftc. Gov/bcp/conline/pubs/credit/fdc.htm. You can go to the site and read the steps to take to sue these companies for Unfair and/or Fraudulent Collection practices or you can read what I have pasted below. Everyone must stop complaining because all they do is pay people to sit around and dispute what you are reporting on the usacomplaints.com. We must hit them where it counts, in their pockets or put them in jail. Do not pay a thing and instead have the court order them to pay you.
What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s net worth, whichever is less.
Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc. Gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. And abroad.
Will
Lithonia, Georgia
U.S.A.
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