mkr_00 Posted January 11, 2008 Report Share Posted January 11, 2008 I have an old paid collection from MCM. I did the whole procedure for dispute, DV, etc. The recently updated from a paid collection (from an old credit card) to an open installment account 120 days late with a 0 balance. This dropped my score 100 points. WTF? The original account iwas revolving and I never made any payment to mcm that would make it 120 days late. It was paid off years ago before I found this site. Every month I dispute and they verify. They consitantly ignore my DV attempts. I am ready to sue them but have never done anything like that. How can I figure out what are the exact laws they are breaking? I am in Texas so they are also breaking the TFC by ignoring me. What do I do next? Link to comment Share on other sites More sharing options...
Debt Guy Posted January 11, 2008 Report Share Posted January 11, 2008 You might want to check with NACA (National Association of Consumer Attorneys). I am sure you can find one in Texas.One of the features of the FDCPA and FCRA is that there is a provision for award of attorney fees if you prevail in the suit. A NACA attorney would be able to look at your case and tell you how much of a slam dunk it really is. If it is well documented and straightforward, the NACA attorney might be willing to take the case on a deferred fee basis. In other words, he knows he will get paid and knows the case is easy so there would not be a retainer fee.This approach may or may not work. Give this a shot before you charge off in another direction. Let me know what happens. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 12, 2008 Report Share Posted January 12, 2008 I agree with Debt Guy on this one. Link to comment Share on other sites More sharing options...
hiblues Posted January 12, 2008 Report Share Posted January 12, 2008 This is why you need a written PFD when paying collectors! Link to comment Share on other sites More sharing options...
Debt Guy Posted January 18, 2008 Report Share Posted January 18, 2008 HIHave you ever had a creditor agree to a PFD? If so, who? Link to comment Share on other sites More sharing options...
mkr_00 Posted January 25, 2008 Author Report Share Posted January 25, 2008 I started going through my old files and found that they have verified that it is installment several times. i have 3 CMRR reciepts from over the years that they signed for my DV but never sent me anything. This is in violation of the TFC correct? Link to comment Share on other sites More sharing options...
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