mattandallismom Posted April 14, 2007 Report Share Posted April 14, 2007 HA! They state in the letter the collection is for "various accounts". The first line of the letter says that my account account has been referred for collection activity and that prior notice has been given in accordance with federal requirements. That is an inaccurate statement as I have not received any collection letters or proof of debt.Funny thing is I called them when I pulled my report and they said that they would remove the debt because it was a hospital bill of someone who I lived with 6 years ago. Then went on to state I owed for breaking a lease from that same year. Bull****, prove it, there is nothing like that on my CR.Is it too late to send a DV to them? I have my letter ready to go. There is no way it's my debt because on my CR it was from a hospital in an area I have not lived in over 8 years. According to my CR it is set to come off in December. Should I let well enough alone? I'm afraid they will try to re age it. Link to comment Share on other sites More sharing options...
rmuse00 Posted April 15, 2007 Report Share Posted April 15, 2007 I'm a bit confused. Is it your bill or not??You say it belonged to someone who lived with you but then you say it's about to fall off your CR???If it is not your bill definitely DV them. Link to comment Share on other sites More sharing options...
mattandallismom Posted April 15, 2007 Author Report Share Posted April 15, 2007 No it's not my bill at all. I never went to that hospital. I think I'm going to DV it on Monday. Link to comment Share on other sites More sharing options...
kevin3344 Posted April 15, 2007 Report Share Posted April 15, 2007 (edited) Never talk to a CA on the phone, that won't get you anywhere. I would DV w/C&D.________The Peak Towers Prathumnak Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
rmuse00 Posted April 15, 2007 Report Share Posted April 15, 2007 Have you disputed this TL with the CRA's it's reporting on? DV them and at the same time dispute with the CRA's. If CA's verify with the CRA's and you don't get a response from CA you would have them on a violation. They cannot verify with the CRA's and ignore your request for validation. If they do not respond to your request for validation they must delete from your CR. This is called the 1-2 punch. They cannot ignore both CRA's and you! Kevin is right. Do not talk to a CA on the phone. At least until you can arm youself with the FDCPA. Most CA's use illegal collection tactics to intimidate you once they have you on the phone. Good luck! Link to comment Share on other sites More sharing options...
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