dschommer Posted January 30, 2007 Report Share Posted January 30, 2007 I've been dealing with a debt collector for a year now. I originally sent a dispute letter, certified mail with no response. Then I see that they reported it to Equifax and Experian. I've disputed it with both CRA's and they came back verified. I intend to write the OC for verification. It is showing up as a $99 'returned check' on my report with a balance due of $299. I finally called last week and the guy said 'he has me on tape agreeing to pay the amount'. I have no idea what he's talking about! He said my file is being handled by someone else but she wasn't in the office. So he told me to call back. Which I didn't yet.When requesting verification to the original creditor, what kind of documents are they required to send me? If he claims to have 'a recording tape' of me, can I request a copy of that?On Experian they list themselves as "CRB" and on Equifax they list themselves as "DBA: Collection & Recovery" but both have the same mailing address as the original creditor- "Telecash". I know this is a purchased debt because I found their website: http://crbcompany.com/companyIf they in fact verify this debt, how much do you think I can negociate for? I'm sure they paid pennies for it! If we do negociate on it, it there something I can send to them that states something like, "By signing/endorsing this check I agree to remove this account from all CRA's?"Thanks in advance. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted January 30, 2007 Report Share Posted January 30, 2007 I have yet to find any JDB that removes anything without a fight.. and you can write anything you want but I can nearly promise it wont get removed.. if you do pay on it you do restart your SOL and depending on how old the account is you can make the situation worse...lets say you do settle for half.. (which I am skeptical of).. then they more then likely will sell the balance to another JDB and now you have a new debt with a brand new SOL..I have found keep disputing... I have been down this road with arrow and would LOVE to know how they verified a debt that is not mine and never was.. but the CRA do not work for you or me.. they work in tandem with the OC's and the JDBYOu are expecting them to play the way normal people do.. with honesty and integrity.. but the sad truth is most of these types (the recording.. etc) don't.. I had one who swore i had a payment plan by phone.. kept sending me late letters.. it took a year and a half and a complaint to their attorney generals office to get it off my credit reports... its a long uphill battle but you settling.. get it in writing but don'[t expect it to be off your reports.. at best it will say settled which is even worse for your credit then letting this fall off on its ownOH and one more thing.. stay off the phone do EVERYTHING by mail.. period Link to comment Share on other sites More sharing options...
dschommer Posted January 30, 2007 Author Report Share Posted January 30, 2007 Thanks for the advice. I'd rather not settle at this point anyway. They've had plenty of time to show me what this 'debt' is for and they haven't. If I could, I would send a dispute every day so they would get so bogged down in paperwork that they'd just remove the stupid thing. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted January 30, 2007 Report Share Posted January 30, 2007 I would dispute it through the CRA.. that way you dont have to deal with them directly Link to comment Share on other sites More sharing options...
dschommer Posted January 30, 2007 Author Report Share Posted January 30, 2007 The CRA's are telling me there is nothing they can do if the debt is coming back as 'verified'. I called the CA today and the woman told me they were not obligated by law to verify my dispute because they have me on tape agreeeing to pay? After hanging up on her, she called back. This AFTER my original letter last year had a cease and desist paragraph.So far this is what I think I have on this CA:Account disputed on January 14th 2006. Collection agency failed to verify debt .Collection Agency also failed to report it as disputed to Credit Agency after my dispute. Collection Agency called me on January 30, 2007 after requesting a cease and desist letter. Link to comment Share on other sites More sharing options...
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