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About ColTrump

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  1. Thanx 47, I understand. I'm much too busy to keep a solid schedule according to the flow chart model, but now I'm stepping it up. Yes, I have all documentation and original envelopes regarding the collection. Their 1st response at debt validation was an absolute joke. The OC gave them a few copies of invoices for merchandise my business ordered and none, I mean NONE of it was relevant to the collection 'debt' And, actually on this one I have a folder close to 2" thick on documentation for this vendor... I mean 'OC' As soon as I saw things from this vendor headed south I printed out all email communications sent regarding every order we ever placed (save a handfull placed over the phone) and cancelled. The first DV I sent USPS Priority Mail Signature required with tracking just cause it was easier from my office as soon as I got the first contact letter. I did not followup after day 31, but I did finally receive the DV around 60 days. This past week was 30 days ('at least 30 days to investigate this information and during such time all collection activity must cease and desist.') I have sent them a response indicating that DV provided was incomplete and I requested they review my enclosed copy of the first DV letter and to provide DV 'in a timely and proper format' If a CA takes their time when responding to a DV, then they're also holding themselves up because collection action has to cease until DV is provided, right? Thanx again! Take 'em to the Hole!
  2. Thanx! Ok, so if the debt is passed to a new CA, will the prior CA still be an authorized and valid collector of the debt? Or not and will they no longer be able to legitimately validate the debt by lack of authorization? Take 'em to the Hole!
  3. Hi All, I am looking at my CR and see two entries for ultimately the same debt. The OC lists it as charged off and then the buyer of the debt has it listed as collection account. Is this legit? Take 'em to the hole!
  4. I was hoping to have a plan for a course of action by the end of this week . Hope someone can help? Take 'em to the hole! Thanx in advance.
  5. RA, Great! Thanx much. I wonder if you could review my post entitled 'untimely debt verification' ? Take 'em to the hole!
  6. Hey, As long as we're here. What do you do if your situation does not fit the model of the flow chart? For example, you let things go for a while before you begin to try and pull yourself together. That's my biggest confusion about what to do. Take 'em to the hole!
  7. Hi, I'm way too new at this, but I have found this if you haven't already dug this up. I hope it helps. Take 'em to the hole!
  8. Hi All, NUB here :] I have sent a collection agency the debt validation letter posted on this website. According to the letter, validation must be provided within 30 days: 'If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.' The CA responded close to 60 days and the info was absolutely irrelevant that the bill is for $774.00 and the number 774 is found nowhere within the four pages of 'validation' documents :] I haven't yet checked whether this has hit my file yet, though the CA is convinced it has been proplery validated and are moving forward. Can NE1 suggest what approach to respond with, please? Thanx!