I received multiple collection letters from LBN attempting to collect on an old debt from Capital One. I did not answer or call them in a timely manner and they have subsequently filed in county court. The summons was served to my Fiance' and she was not asked to sign for anything. Not sure if this was legal. Also, I did call (only talked with receptionist) and mentioned that I wanted to discuss this debt.
The "collection representative" handling my case was busy and I said I would call back. I did not call back and the guy subsequently called my cell and office 4 or 5 times within a matter of hours.
I got curious and looked them up on the web. Voila, I found this web site and the Budd Hibbs site. After looking around I realized that I needed to send a Cease & Desist Communication letter via certified/return receipt. I did this. I know they are allowd one follow-up correspondance after this letter is received in their office. If they try to call am I obligated to answer the phone call, or do I force them to handle this all via letter?
And now I'm working on a letter to them to request proof and validity of the debt owed to them. Does anyone have a template or generic worded letter that requests all the necessary information that I should request?
As it turns out they have also purchased an additional debt from Capital One from my Fiance'! We are working on getting our finances in order and these guys are a real big pain. I do not want to evade any legitimate debts that we owe, but it is seems ridiculous that I have to deal with this sort of situation with a company with whom I have no contract. I would "love" to nip this off as quickly as possible and show this company that I am going by the book to protect myself from their tactics. I will not become one of their success stories.
Any help will be appreciated.
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