Interested to get thoughts on the following scenario I am experimenting with:
I receive dunning letter from collection agency.
I use a third-party company faxing service to send DV letter via fax knowing agency will ignore it. I do this twice over the course of the first three weeks of the 30-day response period to allow them to call repeatedly and engage me on the phone a number of times. I'm difficult for them to handle on the phone so they actually stop calling me.
I sent certified letter disputing validity of debt on week three. CA sends me a second letter attempting to collect on debt around same time which crosses in the mail.
I wait again until the certified letter has been received from their office. I call CA in response to their 2nd letter "to find out why you sent me this letter". They attempt to collect the alleged debt about 10 times throughout the course of the phone call.
Question: do their verbal attempts to collect on the alleged debt, without having yet verified it in response to my certified letter, constitute violations of FDCPA despite the fact that I called them? (versus them calling me). I imagine they should but would be interested in anyone's experience on this.
Note: More than a month ago, I offered to discuss issues privately with @Brian Gray via PM on this site or via email. To date, I have received no response to my offer.
Personally, I would be willing to discuss and defend claims that I have made with someone who is willing to reasonably discuss my claims
Draw your own conclusion(s).