Jump to content

Search the Community

Showing results for tags 'response letter'.

  • 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. Hi all, I have a situation that I haven't been able to find advice about, so I'm curious for thoughts/guidance- On November 9 (2021), I received a voicemail from Portfolio Recovery, stating simply that they were calling about a debt. Ten days later, on November 19, I received another voicemail stating the same. Then, about three weeks later, I received a notice from a credit card company I was forced to default on due to losing my job because of the covid shutdown, which stated they had transferred the debt to Portfolio Recovery. Only this week (December 13) did I receive a debt validation letter from Portfolio Recovery- in other words, more than a month after their first contact on November 9. This seems to me to be a very clear violation of the FDCPA, which states that "Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice." This is reaffirmed by California state law, which is where I live. My question is, what it the best way for me to wield this apparent violation to dissuade Portfolio Recovery from further action, or at least from ultimately suing me? (And yes, I have saved the voicemails, with date stamps, so I have documentation). I assume I should include it in my response to the Validation letter-- anyone have thoughts on the specific language? And if it does come to a lawsuit, would this likely be sufficient for a dismissal or ruling in my favor? Many thanks for any advice or thoughts. Happy holidays to all.
×
×
  • 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.