I received a call from Mr. John Foster today at work claiming that he is an attorny for Bank of America. I have hired Credit Solutions last month and sent letter to Bank of America stating that Credit Solutions has the power of an attorny from me representing me to negociate for settlment.
Until then, my payments had been update. Mr. Foster told me that I was about to be sued and Bank of America will not negotiate with Credie Solutions. When I called Mr. Foster back, the receptionist refused to give me the name of the company, which raised my suspection. I did a little research and found out that Mr. Foster is in fact a debt collector of Creditor's Interchange.
Furthermore, I received a fax from a Lisa Martin of Creditor's Interchange stating that I requested her to send me the letter as a debt collector.
As I read through the Fair Debt Collection Parctices Act, not only Mr. Foster has violated sec 7, which is dalse or misleading representations, but also sec 805 since I have sent the letter to Bank of America ceasing communication. Further more, they conacted me at work, which is also a violation.
Mr. Foster also urged me to break my contract with Credit Solutions and report them to Federal Trade Commission. As I was about to do so, because I was so scared, I decided to do a research myself. Let's just say that I am glad I did. I hope that no one else have to go through what I went through today.
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