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Phillips and Cohen


gac689
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Hello to all my board friends, just a quick question. Foreclosure is complete and I was able to avoid bankrupcy, now comes the task of making things right again. I just received a phone call from Phillips and Cohen ( I know it was them because I reversed the trace) they did not leave a message, but I now have a record that they actually placed a call to me. As I said, they said nothing and I do not know who they are representing ( I have a feeling is WAMu , but will wait and see...) Is there actually a law that states they MUST notify me of an attempt to collect a debt in writing within three business days of any initial contact?? If so, the clock is now ticking and I look forward to making their lives miserable with my DV along with all the other methods I have learned here. Thanks again for any input.

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To the best of my knowledge, a CA attempting to reach a debtor by phone is not "initial contact" is there is no actual contact made.

However, they may well send the initial letter anyway or may already have done so before they tried to call and it hasn't reached you yet.

Another thought; do you think they hve your correct address???

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Well ok Ill just wait and see then. My address hasn't changed in many years so I would hope so. Its funny I had just started the process of validating the first CA who got this debt and obviously they didn't want to deal so now these goons want it...

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