Now what do i do?

[cbairey]

Pugest sound collections sent letter on 3/23

this company "bundles " accounts , 3 "accounts" they are trying to collect are past SOL ( 2002) ,

I contacted one of the Oc's ( I KNOW we dont owe on them) they call CA,( 3 way call) Ca says , They MUST owe or we wouldnt have sent the letter, OC tells them to STOP trying to collect as we dont owe anything , the account was paid& closed in 2001 CA , they owe and thats , that and hangs up,,OC says will try again,with letter,,,

I send DV to them for all "accounts" on 3/24, , signed for 3/25, Green card back 3/27

OC calls back(3/30), sent a letter, CA replies" since your NOT the "original OC we will still collect on this account until we hear otherwise from OC"( this company bought old listed oc 3 years ago)

this is reported as ONE account on CR, , nothing back yet,* already did Dispute with CRA's) still "pending"

problem is they have all "acounts" in one "account" on CR's, instead of each one listed seperately, could they :verify? and still be within a fine line?

what should be my next step?

[1time2many]

Send them a DV letter......get a copy of the OC's letter to them, then tell them to pound sand and if they refuse to remove from reports you will sue them times 3.

[cbairey]

Send them a DV letter......get a copy of the OC's letter to them, then tell them to pound sand and if they refuse to remove from reports you will sue them times 3.

I did DV the Oc so i would have something showing i disputed with them also,that they maybe liable for the CA actions,esp if the CA wont stop/ or reply, so far i have heard nothing back .

do i have to wait 30 days send another (intent to file suit) and wait another 15 days?

i am doubtful they will answer, i did not even get the standard, you have 30 days to disputer this debt ect.. on my letter from them, just the ,this is a attempt to collect a debt you have 14 days to pay , call us @XXX

been two weeks since they go tmy DV,

[1time2many]

Pugest sound collections sent letter on 3/23

this company "bundles " accounts , 3 "accounts" they are trying to collect are past SOL ( 2002) ,

I contacted one of the Oc's ( I KNOW we dont owe on them) they call CA,( 3 way call) Ca says , They MUST owe or we wouldnt have sent the letter, OC tells them to STOP trying to collect as we dont owe anything , the account was paid& closed in 2001 CA , they owe and thats , that and hangs up,,OC says will try again,with letter,,,

I send DV to them for all "accounts" on 3/24, , signed for 3/25, Green card back 3/27

"OC calls back(3/30), sent a letter, CA replies" since your NOT the "original OC we will still collect on this account until we hear otherwise from OC"( this company bought old listed oc 3 years ago)"

There can be only one OC, this is confusing unless you have 3 accounts from 3 different OC's that were bought and bundled by a JDB.?

this is reported as ONE account on CR, , nothing back yet,* already did Dispute with CRA's) still "pending"

problem is they have all "acounts" in one "account" on CR's, instead of each one listed seperately, could they :verify? and still be within a fine line?

what should be my next step?

?

[1time2many]

I did DV the Oc so i would have something showing i disputed with them also,that they maybe liable for the CA actions,esp if the CA wont stop/ or reply, so far i have heard nothing back .

If the CA you are refering to has bought the debt , the OC has no liability as they no longer own the debt or hired the CA to collect.

do i have to wait 30 days send another (intent to file suit) and wait another 15 days?

i am doubtful they will answer, i did not even get the standard, you have 30 days to disputer this debt ect.. on my letter from them, just the ,this is a attempt to collect a debt you have 14 days to pay , call us @XXX

been two weeks since they go tmy DV,

If that is all it states, you possibly have a violation, but you may want to look at the back to make sure.

The bottom line is this debt is SOL, but since you say it is not yours or you dont owe on it then you need to get tough with the JDB.

You need to research your state laws and do alot of reading here finding all the legit violations you can before you bring action.

[cbairey]

?

one OC has two of the debts, they are the ones who called the ca to get them to try to stop collecting,but since they are Not the original:person" who placed it CA wont remove it( harbornet was bought out by another company)

second Oc hasnt any records going back to 2000...

The Ca wont remove from CR because they list all collections as One debt

ie: CC 50, dr's 100 phone 200, under account#1234 amount due 350..

[cbairey]

If that is all it states, you possibly have a violation, but you may want to look at the back to make sure.

The bottom line is this debt is SOL, but since you say it is not yours or you dont owe on it then you need to get tough with the JDB.

You need to research your state laws and do alot of reading here finding all the legit violations you can before you bring action.

Letter says

name ,account number( CA account number) list of "debts" with amounts,date of debt, total amount owed, pay in 14 days, or call XXX-XXXX with your intentions,this is atemptto collect a debt..NO if you dispute you have xx days to reply

This is Puget sound collections, in Tacoma, seems they bundle the debts into one account

Name Account#123456<--number on CR

ie: medical,,2002 owed 400 interest 50 fee 10 460

(acc 123)

car ,2003 600 100 50 750

(acc 345)

ect total dueXXXX