bbuttercupp

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#805 They protect consumers from bad debt collections actions, threats, sending certain documents, being responsive, etc. Enforced by the Bureau of Consumer Financial Protection. Persolve's refusal to communicate by once probably violates one of them. Fell off payment plan is self evident statement. When someone is unemployed there living budget dwindles. You have to make priority choices. The original payment plan was with original creditor, BBVA, and NOT Persolve. Yes, defaulted with BBVA.

Let the fun begin! I am new here, and there is a ton of great information on here! I am thankful. This year, like others, I had a lot of loss. My fiance, father, dog and my job all passed away. I am involved with one estate and one probate case in two other states already. My bandwidth is completely tapped. I know that I can't compete in a legal battle when my heads not in the game. I am looking for a lawyer, licensed in Arizona, specifically Maricopa county to represent my intentions. I have interviewed a few litigation lawyers and many are not "Persolve-familiar". It is obvious Persolve likes to dig-in. I'd like to know about options. It is early, but that seems to be an advantage. All ideas welcome from here on. Backstory: 5/30/20 a $10,500.00 debt that I had with BBVA fell off the payment plan. (I have documentation.) 6/20 I called Persolve and I was told that they did not own the account even though BBVA Bank said that they did. 7/22/20 I receive my only letter from Persolve asking for $13,000.00. 8/19/20 I send a USPS tracked letter back to Persolve contesting the debt amount as being invalid. I am asking for a payment plan based upon the original debt amount. I ask for an explanation of fees. -no response- 10/20 I send an email to Persolve from the original 7/22 debt document. -no response- 12/1/20 I send another trackable USPS letter demanding communication. I send a $50.00 dollar payment in a money order as an act of good faith for a payment plan. -no response- By this point they have violated all terms of the Fair Trade Credit Act 12/28/20 I received an advertisement from some third party debt settlement company asking if I want help with my court case. News to me that I had a court case. The court case was filed 12/11/20. I have yet to be served. I cannot access my documents online from the case until served in Maricopa county. They have 90 days to serve me here. I believe that I have 30 days to respond. At all costs I would like to avoid a judgement. Definitely report Persolve's violations of the Fair Debt Collection Practices Act (https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#805) to the bar or attorney general. I learned from the Arizona Dept. of Financial Institutions that because Persolve is law firm in CA they are not governed by the normal Debt collection obligations in AZ. I learned that it is loophole and nothing can be enforced until the lawyer misbehaves and that would be AZ Bar related. Unless it is all filed in CA.