I recently received a notice from these guys that states I owe $30,000 from something in November! I have made several attempts to obtain proof of this debt requesting:
-the nature of the alleged debt (what it's for)
-an accounting explaining how they calculated what I allegedly owe
-that they provide me with copies of any contracts or documents which form a basis for the alleged debt
-name and address of the original creditor
I received one response back which was a screen shot of the creditors computer screen which showed my name, the file number, and the amount of the debt. AMAZING!
Today I received a FINAL notice that warns of impending legal action because "Voluntary Collection Deemed Impossible". They don't even pretend to try to provide me with information that I am due in this instance under the Fair Debt Collection Practices Act. I don't even know what it's for or how to get further info on the alleged debt and they expect me to just sign over $30,000! Their statement did not include any of the items that are required by law such as
I have ALL correspondance and will be sending them back a final response of my own stating that they are in violation of the Fair Debt Collection Practices Act and if they do not either provide me with the information I have requested or cease actions immediately I will I will be taking civil action against them.
Any advice or similar experiences you have had. Please share them!
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