Is there anyway to have fun with this?

[ctmgr 10]

I got a call yesterday from a collection agency about a cable bill from July.

I knew that all my bills have been paid in full, so I had no idea what they were talking about.

Afterward, I dig in to past statements and realized that I had received a cut-off notice dated 7/20 for $30.

I paid the $30 + the current bill on 7/22. So the account was never cut off and the balance is current.

However, it seems that through someone's oversight at the cable co., they mistakenly turned the claim over to collection.

I would love the chance to sock it to the CA since they have no claim. Any suggestions?

[divemedic 51]

Wait a couple of weeks for the miranda letter. If you don't get it, violation.

DV them.

Have fun. You could even sue and make a little money on a settlement. You know they will break the law.

They always do.

[ctmgr 10]

Wonderful!

Do I need to tell them that it has been paid or just wait until they try to take me court and see how many violations they rack up?

[nascar 961]

The collection agency can't take you to court, all they can do is screw up your credit report. IMO, get rid of them fast before they cause more damage.

[ctmgr 10]

Another question:

Upon further review, the letter that I received from the cable company dated 7/20 reported a due date of 7/30. Since it was paid on 7/22 and they still (apparently erroneously) turned it over (or sold it) to a CA, is there any violation by the OC.

I spoke to the OC yesterday and they are showing a 0 balance and had no idea what happened.

[divemedic 51]

I would have fun with it, but whether or not the OC broke the law depends on your state law. FYI, anyone can take anyone to court for anything.

That fact does not mean they will win, however.

[ctmgr 10]

Thanks Dive. I'll do some more searching.

nascar, although you have prudent advice, this is their error.

[CarolinaBlueEyes 19]

I concur with Nascar it maybe their error but at what cost to you

They could end up doing more damage to your CR and even though it could be removed this could take some time.. I doubt they will haul you into court for 30.00... I guess my question is why go through all that for a clerical error...

[divemedic 51]

Even if it is a clerical error, you need to DV them, or lose the right to it forever. Remember that they do not have to cease collection on a debt that was not DV'ed within the 30 day limit.

DV works the same for any CA, whether you owe, don't owe, already paid, or whatever.

[ctmgr 10]

I have not received my miranda or mini-miranda, yet.

According to CT law, they have 5 days to send it.

No one at the cable co. seem to know what I was talking about since there is no outstanding balance. I was transferred to 4 different billing departments. Is it possible that they called them off? How would I know?

Also, I was reading on the 3rd party communication. That means that they cannot talk to anyone else in my household about this, right?

[divemedic 51]

If you know who they are, send the DV anyway. Some CA's will claim they mailed it, and the judges may take them at their word.

[nascar 961]

If you know who they are, send the DV anyway. Some CA's will claim they mailed it, and the judges may take them at their word.

You bet they will! As long as all they have to do is claim it was sent, they'll all lie.

[ctmgr 10]

Thanks for the warning. I'll get right on it!