lordreyrey Posted April 7, 2007 Report Share Posted April 7, 2007 Is the following language a violation?Debt of $29.44. (Yes, just 29.44!)"I can give you one last chance to settle this debt. If you send payment of just 14.72 made out to 'CA' you can pay this amount each month until the debt is repaid. And we will prevent any legal action.""If you don't, I have no option but to consider the possibility of litigation. Any court judgement could then make it difficult for you to obtain future credit; you might also have to pay additional legal costs. This could go on your credit report, which could affect your ability to obtain credit, buy a home or an automobile.""Please help me to help you. Complete the section below and return it wih your installment payment in the reply paid envelope enclosed. And we will prevent the possibility of any legal action."And of course: "Our organization is attempting to collect a debt and any information obtained will be used for that purpose." Link to comment Share on other sites More sharing options...
direred Posted April 7, 2007 Report Share Posted April 7, 2007 Is this the first communication from them?Is the debt within SOL? If they can't sue on it, that would be a violation.As for the "this could go on your credit report" -- that's not a violation unless it's out of the SOL for reporting. Link to comment Share on other sites More sharing options...
lordreyrey Posted April 7, 2007 Author Report Share Posted April 7, 2007 I think this is the second or third communication from them. It is from a CA out of Florida, and I live in Las Vegas NV. I think it is out of SOL, I am not sure. It seems so long ago. Link to comment Share on other sites More sharing options...
direred Posted April 7, 2007 Report Share Posted April 7, 2007 My first thought was overshadowing, but if it's outside the 30 days, no go on that.If it's out of SOL, the legal bits are FDCPA violations. Link to comment Share on other sites More sharing options...
lordreyrey Posted April 7, 2007 Author Report Share Posted April 7, 2007 I wish I could remember when this debt was from. I never bothered to request validation as this was a trivial amount, and from so long ago. Link to comment Share on other sites More sharing options...
nascar Posted April 7, 2007 Report Share Posted April 7, 2007 I wish I could remember when this debt was from. I never bothered to request validation as this was a trivial amount, and from so long ago.So do now ... see if you get anywhere. Link to comment Share on other sites More sharing options...
nervousinohio Posted April 13, 2007 Report Share Posted April 13, 2007 Is the following language a violation?Debt of $29.44. (Yes, just 29.44!)"I can give you one last chance to settle this debt. If you send payment of just 14.72 made out to 'CA' you can pay this amount each month until the debt is repaid. And we will prevent any legal action.""If you don't, I have no option but to consider the possibility of litigation. Any court judgement could then make it difficult for you to obtain future credit; you might also have to pay additional legal costs. This could go on your credit report, which could affect your ability to obtain credit, buy a home or an automobile.""Please help me to help you. Complete the section below and return it wih your installment payment in the reply paid envelope enclosed. And we will prevent the possibility of any legal action."And of course: "Our organization is attempting to collect a debt and any information obtained will be used for that purpose."Very curious....who is this letter from? It's ridiculous. 'help me to help you huh? Help me to screw you is more like it! Link to comment Share on other sites More sharing options...
IHateCAs Posted April 13, 2007 Report Share Posted April 13, 2007 Need more info. Link to comment Share on other sites More sharing options...
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