NightHawk Posted January 8, 2008 Report Share Posted January 8, 2008 Is it a violation of law for a CA to verify with the CRAs after receiving a C&D letter? I have sent ASSet 3 letters trying to get their bogus claims off of my report. The first was a DV where I strictly told them not to call my home or work. They ignored that one and called my home at least 9 times before I sent them another asking for validation and again not to call. The last letter I sent them was a C&D they received on December 11th and I have had 2 calls from them since then. Link to comment Share on other sites More sharing options...
thecollectionagent Posted January 8, 2008 Report Share Posted January 8, 2008 sue them Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 9, 2008 Report Share Posted January 9, 2008 Is it a violation of law for a CA to verify with the CRAs after receiving a C&D letter?No it's not.If they call you after they've received your C&D, then yes it is. Was it a full C&D, nothing else? Did you send CMRRR? Link to comment Share on other sites More sharing options...
NightHawk Posted January 9, 2008 Author Report Share Posted January 9, 2008 No it's not.If they call you after they've received your C&D, then yes it is. Was it a full C&D, nothing else? Did you send CMRRR?I thought I read that verifying with the CRAs is considered continued collection activity. I will have to do more research on that.Yes it was a full C&D. It was the do not call, do not write, I don't ever want to hear from you again type. Yes I did send it CMRRR. I am also keeping a log of their calls. I already plan to sue them for numerous other violations.NightHawk Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 9, 2008 Report Share Posted January 9, 2008 All C&D is good for is not calling you. They can verify and update with the bureaus all they want after a C&D. But they can't contact YOU. Big difference. Link to comment Share on other sites More sharing options...
NightHawk Posted January 9, 2008 Author Report Share Posted January 9, 2008 Was your DV timely?I never received anything from them. So I would say yes it was timely. They sent me a letter for validation that had DOLA 11/13/2001. So they can FOAD.NightHawk Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 9, 2008 Report Share Posted January 9, 2008 I never received anything from them. So I would say yes it was timely. They sent me a letter for validation that had DOLA 11/13/2001. So they can FOAD.NightHawkIMAHO; should it get to court, your argument that the DV was timely likely won't fly IF they can show any evidence that they've tried to contact you through their reguar business practices.I may be wrong but with regards to their continuing to report/validate to the CRA's, it's my understanding that if they had not reported before your DV/D&D then they could not start reporting but if they already are reporting then then continue to do so (assuming it's reported accurately of course) and the reporting should show that the debt is disputed. Link to comment Share on other sites More sharing options...
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