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Astra Business Services emailed first contact


plaudit
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Has anyone else had a first contact letter in the form of an email?

Astra Business Services called me Oct. 23, 2006. I told them I would not discuss any business with them over the phone and to mail me their information.

Two hours later I received an email from them with two word documents attached. The first word document was the first contact letter. The second word document was the mini maranda.

As of today, I have received nothing in the mail.

According to Kurt, with ABS,

1. They bought the debt from MBNA in December 2005.

(Collect America is updating this account monthly and has been for a year)

2. They have spoke to me over the phone in 12/05.

(NOT TRUE).

3. The amount of the debt is $2386.47

(Collect America and MBNA both were reporting $1520.00 until I sent verification to MBNA. Now MBNA is reporting $0 and Collect America is still reporting $1520.00)

4. They will accept $1000.00 as settlement in full, per first phone call.

They continue to call daily even on Sunday. I don't answer the phone.

I mailed the DV on 10/31/06. Waiting on green card.

This is not on my credit reports as of today. This debt is past Alabama SOL of three years.

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I believe it will hold up especially since it was obviously reveived and recognized.

I do, however, question the wisdom of sending a DV letter on a debt if you alredy know it's past the SOL...unless the consumer is considering paying this (or some portion of it) then a DV is a wast of time and effort IMHO. :)

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Guest E. Normis Debtor

I do, however, question the wisdom of sending a DV letter on a debt if you alredy know it's past the SOL...unless the consumer is considering paying this (or some portion of it) then a DV is a wast of time and effort IMHO. :)

I would think you'd still want to.

1. If they decide to sue and they haven't validated, it gives you another violation.

2. It provides a measure of defense if they sue on an account stated theory.

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I would think you'd still want to.

1. If they decide to sue and they haven't validated, it gives you another violation.

2. It provides a measure of defense if they sue on an account stated theory.

I kinda thought a judge in Alabama might frown on a CA sending something this important by email. I might be wrong.

Also, I did want to cover my butt by asking for DV. Especially since the debt has increased by $800 in less than 30 days.

I'm trying to learn

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