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Need help from someone in WA


divemedic
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My g/f is having issues with a CA in WA called Automated Accounts in Spokane. They are dunning her and have reported several TL's to her CR. There are duplicates, some TL's being there more than once.

We have sent a first round DV, got a dunning letter in return and they verified with EQ. Sent a second round DV, wating on delivery confirmation.

In the second dunning letter, they said this:

"You leave us no alternative than to forward the account to an agency in your area that has better skiptracing facilities for obtaining assets of those close to them."

First, is anyone here familiar with them.

Second, does the above statement sound like a violation? It sounds like they are claiming they can come take her stuff. What do you all think?

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Remind me to look them up when I go to work tomorrow. My office is in Spokane and I have access to a lot of information pertaining to the track records of CA's.

And I would say that statement was very overshadowing to the least sophisticated consumer.

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divemedic, did they put the "In Dispute" tag on the CR? Under Washington law they must forward the dispute information to the CRAs "Upon Receipt", not when they do an account update, but right then and there.

RCW 19.16 et seq is the Washington Collection Agencies Act:

http://www.leg.wa.gov/RCW/index.cfm?fuseaction=chapterdigest&chapter=19.16

Note that under 19.16.440 any act in violation of 19.16.250 is an Unfair and deceptive trade practive which is forbidden by the FDCPA. So you can get them for things not even cover well under the FDCPA.

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