Jump to content

Search the Community

Showing results for tags 'Multiple CAs'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Cosmetic Changes to the Forum
    • Resources
  • Credit Repair
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Identity Theft
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

Found 1 result

  1. I have a long-standing dispute with T-Mobile, which started in 2009. T-Mobile claims I owe it money, and I claim I do not. T-Mobile has never addressed the reasons I give to support my position (mainly that it charged a contract cancellation fee even though I was on a no-contract plan). In 2011 I discovered Amsher Collection Service had reported me to Experian, and I asked Amsher to validate the debt. It didn't, so it removed the report. On July 10, 2015, Convergent Outsourcing, Inc. sent me a collection letter, and once again I asked it to validate the debt. It replied but did not validate the debt; instead, it said it would not act further on the debt. Then today, I received yet another collection letter, this time from Enhanced Recovery Company and dated August 27, 2015. Once again, I am drafting a letter requesting validation, but before I send it off I have a few questions. I am wondering what are the limits here? In particular: Is it legal for a single CA to fail to validate a debt but then keep on restarting the process with new demand letters?Is it legal for a single creditor, like T-Mobile, to engage multiple CA's serially, none of which are able to validate a given debt but each one of which creates more work and expense for the consumer (those certified letters add up!) and increases the likelihood that the consumer will not reply to a demand letter within the 30-day limit?Such failure to reply might be due to an oversight, the likelihood of which increases with the number of letters, or it might be because the consumer is away from home, ill, or has some other legitimate reason for being unable to respond in time. So suppose the consumer is out of town for five weeks, and a collection letter arrives the day after the consumer leaves home. Is there still any way to ask for debt validation, or does the consumer lose all rights because s/he was not home to receive the letter?Should I tell Enhanced Recovery that I just demanded validation from Convergent but Convergent was unable to do so, and that therefore I demand that Enhanced Recovery stop harassing me?Thanks.
×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.