OSI Recovery Solutions Inc

[wzelewsky]

Has any one delt with OSI, I am not sure were to go to see if they can even collect in Colorado? I have Dvd them, but of course they started there collections months ago. Any ways, they sent another letter saying PAY! But I dont know what to do next... Any help would be appreciated

[kevin3344]

How old is the debt? Did they respond to your DV?

________

Buy new condo in Pattaya

Edited September 9, 2011 by kevin3344

[wzelewsky]

How old is the debt? Did they respond to your DV?

I beleive since Dec 06, they sent me another bill instead of a response to the DV

[qtptute]

There in lies a violation. Since you DV'd them, they MUST stop all collection activity and report DISPUTED.

Check your CR ASAP.

[wzelewsky]

There in lies a violation. Since you DV'd them, they MUST stop all collection activity and report DISPUTED.

Check your CR ASAP.

But i was told if its older than 30 days then it really doesnt matter

[kevin3344]

I would write a letter to your state AG and tell them in reponse to your DV they sent you a bill. It's ok that you were outside the 30 days,...most people don't know their rights or get the letter in the mail late. Just tell the AG you will not pay a debt they haven't proven you owe. The AG will write them and tell them to respond to your accusations.

________

Starrofindia Cam

Edited September 9, 2011 by kevin3344

[qtptute]

But i was told if its older than 30 days then it really doesnt matter

You are WRONG!

Do yourself a favor, read the FDCPA (its short, sweet and to the point) if you DV the CA after the 30 days in the initial letter, then they don't have to do anything for you (technically) OTHER THAN STOP ALL COLLECTIONS AND MARK YOUR CREDIT REPORT AS DISPUTED!

[wzelewsky]

You are WRONG!

Do yourself a favor, read the FDCPA (its short, sweet and to the point) if you DV the CA after the 30 days in the initial letter, then they don't have to do anything for you (technically) OTHER THAN STOP ALL COLLECTIONS AND MARK YOUR CREDIT REPORT AS DISPUTED!

So how do I contact the Colorado AG? Can I email them?

[kevin3344]

I went to the NC AG website and got their contact information. It was a P.O. box but they responded pretty quickly. It seems like a staff person sent the initial letter to the CA and copied me.

________

Zoloft lawsuit

Edited September 9, 2011 by kevin3344

[blooker]

I talked to OSI yesterday about a student loan account. (I live in Colorado but the letters were being sent to my parent's house in California.) This was an account that I wanted to pay on because it is a student loan. I don't care for collection agencies but OC and student loan accounts I feel I have a moral obligation to, especially student loans. The guy was really nice. I was expecting to have to come up with a few grand up front but the guy did some calculations for me and I only have to pay $115 per month and then after 9 months of "rehab" the loan will be returned to the OC. After six months I can call them and get more student loans if I need them. After 9 months, all baddies will be removed from my credit report. (Was I gullible?)

Google Colorado Attorney General and you can get a link to their website. You have to download and complete a complaint form and mail to them. They have a Collections Monitoring department that handle all collection complaints. It is a fillable PDF but if you do not have Adobe Professional you will not be able to save the completed form.

[wzelewsky]

I talked to OSI yesterday about a student loan account. (I live in Colorado but the letters were being sent to my parent's house in California.) This was an account that I wanted to pay on because it is a student loan. I don't care for collection agencies but OC and student loan accounts I feel I have a moral obligation to, especially student loans. The guy was really nice. I was expecting to have to come up with a few grand up front but the guy did some calculations for me and I only have to pay $115 per month and then after 9 months of "rehab" the loan will be returned to the OC. After six months I can call them and get more student loans if I need them. After 9 months, all baddies will be removed from my credit report. (Was I gullible?)

Google Colorado Attorney General and you can get a link to their website. You have to download and complete a complaint form and mail to them. They have a Collections Monitoring department that handle all collection complaints. It is a fillable PDF but if you do not have Adobe Professional you will not be able to save the completed form.

I went to the AG site for Colorado, and sent an email today for the email they have listed. Do you think that will work? Or do I have to download the form for a complaint

[IHateCAs]

You are WRONG!

Do yourself a favor, read the FDCPA (its short, sweet and to the point) if you DV the CA after the 30 days in the initial letter, then they don't have to do anything for you (technically) OTHER THAN STOP ALL COLLECTIONS AND MARK YOUR CREDIT REPORT AS DISPUTED!

Ummm what?

If you miss the 30 day deadline outlined in 1692g, they are under no obligation to cease collections.

They still have to communicate the debt as disputed to all parties however.

[kevin3344]

I went to the AG site for Colorado, and sent an email today for the email they have listed. Do you think that will work? Or do I have to download the form for a complaint

I wouldn't email them. My AG has an online form that you can submit, but I didn't go that route either. I wanted a paper trail.

If I would write a formal letter.

________

LIVE SEX WEBSHOWS

Edited September 9, 2011 by kevin3344

[wzelewsky]

Ummm what?

If you miss the 30 day deadline outlined in 1692g, they are under no obligation to cease collections.

They still have to communicate the debt as disputed to all parties however.

This is were it gets confusing on the fact that people are saying you can do something even after its been 30 days, or you cant do anything because its been longer than 30 days. They have to cease collection until they validate, they dont have to cease because its been after 30 days.....

TO CONFUSING!

[IHateCAs]

This is were it gets confusing on the fact that people are saying you can do something even after its been 30 days

You can do whatever you want after 30 days. You can send a DV letter, no one is stopping you. You can sacrifice a chicken to Jobu if it so pleases you. They are off the hook as far as verification is concerned though.

It's a simple IF THEN ELSE

IF

CA receives written dispute within 30 day period

THEN

cease collections until verification is obtained and forwarded to the consumer

ELSE

No duty to cease collections or provide verification

The 30 day clock starts ticking the day you receive the validation notice. They must RECEIVE a written dispute before the 30 days is up.

[hiblues]

Wow, people gettin all bent outta shape about the 30 day limit..

It confused me for the longest time too..

Here's the facts...

The FDCPA does allow only 30 days..

BUT

the FCRA states that any disputed item must be

reported as disputed.

FCRA 623(a)(3) applies and it doesn't matter how old the debt is.

This is the law that saves a lot of people who forgot to dispute in the 30 day period.

layman terms:

The FCRA 623(a)(3)

states it is the duty of the furnisher

(in this case the CA)

to provide accurate information to the CRAs,

thus if you are disputing the information of a furnisher

(the debt you have with a CA) ,

the furnisher (CA) must

report to the CRA that the information is in dispute.

There is no mention of a time limit that a person can dispute the information,

it just states that if the consumer disputes the information then the furnisher has to report that.

so,

If the CA reports your debt (to the CRA) as "verified" instead of "disputed", they are in violation of the law. Period

divemedics advice is to DV dispute again to get multiple violations.

actual wording of law....

FCRA 623(a)(3): Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

[Hoefsmed]

here's the link to the colorado ag's office for debt collectors it's best to

manually search the list because their search engine is kinda screwed

if you find they're not on the list PM me and I'll get you the numbers to contact in the debt collection enforcement section

http://www.ago.state.co.us/cadc/cadcmain.cfm

you may have to cut and paste this, BTW in colorado it is unlawful to file suit if you aren't licensed as a debt collector and the SOL on most debts is 6 years from DOLA

[wzelewsky]

I wasnt tryent o get bent out of shape... Sorry if it seemed that way. I guess it just gets frustrating because there is just so much to know on who you can dv and who shouldnt. I think I should just do more reading than writing and maybe I will figure it out

[willingtocope]

You are WRONG!

Do yourself a favor, read the FDCPA (its short, sweet and to the point) if you DV the CA after the 30 days in the initial letter, then they don't have to do anything for you (technically) OTHER THAN STOP ALL COLLECTIONS AND MARK YOUR CREDIT REPORT AS DISPUTED!

Okay, I'm confused. The FDCPA says...

( 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

How does that translate to what you said?

[IHateCAs]

Okay, I'm confused. The FDCPA says...

How does that translate to what you said?

You have to convert it to reverse Swahili, then to Sanskrit and back to English and it works fine.

[direred]

This is were it gets confusing on the fact that people are saying you can do something even after its been 30 days, or you cant do anything because its been longer than 30 days. They have to cease collection until they validate, they dont have to cease because its been after 30 days.....

TO CONFUSING!

Funny, the FDCPA is supposed to be a plain language statute.

[wzelewsky]

Wow, people gettin all bent outta shape about the 30 day limit..

It confused me for the longest time too..

Here's the facts...

The FDCPA does allow only 30 days..

BUT

the FCRA states that any disputed item must be

reported as disputed.

FCRA 623(a)(3) applies and it doesn't matter how old the debt is.

This is the law that saves a lot of people who forgot to dispute in the 30 day period.

layman terms:

The FCRA 623(a)(3)

states it is the duty of the furnisher

(in this case the CA)

to provide accurate information to the CRAs,

thus if you are disputing the information of a furnisher

(the debt you have with a CA) ,

the furnisher (CA) must

report to the CRA that the information is in dispute.

There is no mention of a time limit that a person can dispute the information,

it just states that if the consumer disputes the information then the furnisher has to report that.

so,

If the CA reports your debt (to the CRA) as "verified" instead of "disputed", they are in violation of the law. Period

divemedics advice is to DV dispute again to get multiple violations.

actual wording of law....

FCRA 623(a)(3): Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Is there something that I can same the CA that never responded back to my DV? Its Omni Credit Services, my husband called and asked they were licensed in Colorado and he stated that he licensed to collect in all states, Im thinking he is BSing. SO I would like to send him a letter because I never got a response back after his 30 day time to DV

[wzelewsky]

GUESS WHAT???? OSI sent me a letter stating they are deleting my file.....

[kevin3344]

So DV does work after all, see? Remember to read about the 1-2 punch on this website. Not that you need it now since they're deleting but you never know in the future.

________

Alma*****

Edited September 9, 2011 by kevin3344

[buckeyechick1219]

Oh, this gives me hope. I have an account with OSI that I've disputed with the CRAs several times, but that keeps coming back as verified (I've only discovered this site recently.) It's for a piddly amount ($50) but it's from around 2002, I believe, and it wouldn't help me at all to pay it off. I suppose I'll DV them and see if I can get it deleted.