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Heres whats happened so far.

1. My Job called the CA and told them not to call me at the job

2. Mailed debt validation.

3. Got response but not verified..not my signiture(s).

4. Sent 15 day letter.

5. They called me at work.

Question.. they called me at work knowing

they cannot.

How do I respond.

Thanks in advance

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I am going to small claims court to watch and learn.

However, I know they have violated 805(a)3 and want to handle this right.

I first like to thank Kristy and her book and other things I aquired from the wealth of information she offers.

I sent the 30 day validation letter and the responded with a letter that included the mini miranda and a hand written ledger claiming that it has my signiture in two places (obviously not my signiture).

I sent the 15 day letter next telling them basically they failed miserbly to prove without a shadow of doubt to prove I owe this debt.

My human resources department on the initial call at work called them and told them not to call.

2 questions again. (sorry i am a little stupid)..lol but, darn im good at unix.

1. Should I wait for the 15 day's and send to the CRA's?

2. Sue now for violation 805(a)3?

3. send them a letter to now remove and complain to the AG and BBB?

4. All three.

5. If I sue at this point how will the judge feel about it?

and oh, one more thing.

Are they even allowed to call me after recieving the 15 day letter?

Thanks admin and all who have helped as I know thier is power in team work. I hope someday to be a source of information through the experiences I have been through.

:)

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I did not give the person time to ask for money, he said he wanted to discuss my letter and I told him that I would only communicate by written correspodence. Then, I told him he was in violation of the FDCPA for contacting me at work as my HR dept called him and told them not to.

did they violate 805 at that time?

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<blockquote>Originally posted by PandR

1. Should I wait for the 15 day's and send to the CRA's?

2. Sue now for violation 805(a)3?

3. send them a letter to now remove and complain to the AG and BBB?

4. All three.

5. If I sue at this point how will the judge feel about it?

</blockquote>

In my careful nature, I would:

1. Send out a 48 hour notice- stating they have 48 hours to cure or be sued.

2. File complaints with the FTC/AG/BBB/PFB

3. cc the complaint agencies on the 48 hour notice

4. Include the Wollman FTC Letter

After 48 hours and no cure, I'd forward a small claims suit ready to go but not filed and state "this is my next communication with you. i'm willing to settle out of court for x amount and complete removal. offer is valid x days"

If after this, they are not complying, I'd go to court. May seem like a lot of work but creating a strong papertrail is key and showing the judge "good faith" by offering to settle outside of court can only work in your favor.

<blockquote>Originally posted by PandR

Are they even allowed to call me after recieving the 15 day letter?

</blockquote>

You stated in the letter not to call and your boss also told them not to call? I'd say it's a CLEAR 805 violation on that.

Btw, was this ever disputed with the CRA's?

[Edit by Swede on Thursday, 7, 2002 @ 07:57 PM]

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