Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say. In general, it’s not usually a good idea to speak to a collection agent when they call, let alone respond to a letter over the phone. This leaves the [...]
Entries Tagged as 'investigation request'
I’m Not Sure What to Say In My Letter to a Collection Agency
November 17th, 2009 · 4 Comments · Collection Agencies
Tags: cease and desist·collection agency·Debt Settlement·Debt Validation·debt verification·FCRA·FDCPA·investigation request·junk debt buyer·negative listing
Do Collection Agency “Cease and Desist” Letters Prevent Response to Credit Disputes?
July 10th, 2009 · 5 Comments · Collection Agencies, Legal Stuff
The FDCPA was written with an eye towards protecting consumers from collection agency harassment. Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer. Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers. An example of an information furnisher [...]
Tags: cease and desist·collection agency·Consumer Debt·consumers·credit disputes·credit report·FCRA·FDCPA·FTC·information furnishers·investigation request·written request
