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dv letter question as to what they must send


doug209
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hi,

i have seen many DV letters, but not much info could i find on what the debt collector is required to send.

I got a letter that says cach is a collector and that trauner,cohen, thomas are cach's lawyers for the debt of about 1790.00 dollars.

it says no attorey with their firm has reviewed the case.

near the bottom is says if i request validation,that they will send the name and address of the OC (original creditor). I know more than this has to be sent , but i can't find anywhere that lists specifics.

thank you for your help.

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That is all they have to send in response to your DV. However, if they want dime one from me they'll have to do much better. Also, if they want a judge to award a dime from me, they'll have to do much better.

Of course it hasn't gone that far yet. You might want to let them know that although the name and address of the OC satifies their legal obligation, it in no way serves as leverage to pry any clams from your fingers.

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ok thanks.

i just read in the fdcpa

that a collection agency can't pretend they are a law firm and this is a fine.

i have a first letter from trauner, cohen and thomas with it signed as attorneys at law.

am i proper to make note of this first violation ?

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these lawyer firms generally have a lot of balls and make a lot of threats. firgure out how to legally record them on the phone in your state and play dumb and ask them "what will you guys do if I don't pay?" and other leading questions to give them plenty of room to make threats.

I once had a firm tell me they could sue me, and take money out of my bank account for 3 hot checks (original amount of face value $12.83 in all) they claimed I owed $1548.00 on post all "legal and collection fees". The problem is, the checks were post statute of limitations in my county, and they were making "false and misldeading statements" into browbeating and scaring me to pay. Which is very illegal.

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