Xanathos Posted October 14, 2003 Report Share Posted October 14, 2003 I'm pretty sure I know the answer to this, but I want to clarify, cause this is one of those things I've not bothered to deal with in the past.A few months back, got a letter from Risk Management Alternatives asking for X amount of dollars for some tradeline(honestly don't have any clue what it is, OC is listed as Credigy Receivables...never heard of em). So I shot off a DV letter to them, and never heard back. They aren't reporting on any of my CR's publicly(there's a notation on it on my EQ file, but only on the paper CR's they give me, never on things like Privacy Guard).Today, I get a letter from them, very short and sweet, stating they've been retained by the same OC on this debt, and to please remit payment blah blah blah. Makes no mention of any sort of validation in any capacity, doesn't even say "you have 30 days to dispute blah blah blah".Now the question: Violation? If so, I think I'll have to take some "Me Time" tomorrow to run to the courthouse. Link to comment Share on other sites More sharing options...
Pale Rider Posted October 15, 2003 Report Share Posted October 15, 2003 Looks like a violation to me.§ 809. Validation of debts [15 USC 1692g]( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Link to comment Share on other sites More sharing options...
calawyer Posted October 15, 2003 Report Share Posted October 15, 2003 Off you go my friend:FDCPA Section 809 If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Link to comment Share on other sites More sharing options...
Xanathos Posted October 15, 2003 Author Report Share Posted October 15, 2003 Thanks guys . I might just have to send the both of you Christmas gifts, always johnny on the spots, you are.Or would that be Johnnies on the spot?Hopefully not just John's...they impound cars if they catch you with prostitutes now..Wow, off track I go! Link to comment Share on other sites More sharing options...
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