donqII Posted March 17, 2011 Report Share Posted March 17, 2011 Am I correct...If the OC has an FDCPA, and the CA ( who is in one state) has an FDCPA, and the OC's atty (who is in another state, although a branch of the CA) has an FDCPA.And the FDCPA claims are different for each... that is 3 separate charges and $3000? Link to comment Share on other sites More sharing options...
lheart Posted March 17, 2011 Report Share Posted March 17, 2011 No. Normally the OC is not subject to FDCPA. You would need to file separate suits against CA and atty. Link to comment Share on other sites More sharing options...
antiquedave Posted March 17, 2011 Report Share Posted March 17, 2011 yep same violation or different each entity is separate, and needs a separate suit, it would be nice if 10 ca's made 10 violations on the same alleged debt.if they break fdcpa probably they break a state law or 2, maybe call your cell phone? Link to comment Share on other sites More sharing options...
BV80 Posted March 17, 2011 Report Share Posted March 17, 2011 If the OC has an FDCPA, and the CA ( who is in one state) has an FDCPA, and the OC's atty (who is in another state, although a branch of the CA) has an FDCPA.And the FDCPA claims are different for each... that is 3 separate charges and $3000? Check to see if your state has it's own version of the FDCPA. Some state versions apply to original creditors. My state has an FDCPA, but it's not as extensive as the federal statute. It just includes the list of things OCs and CAs cannot do that would be considered harassment or abuse. Link to comment Share on other sites More sharing options...
donqII Posted March 17, 2011 Author Report Share Posted March 17, 2011 If an OC deliberately falsified a billing statement, where does thatvalidation fall?Example. Account is given to a management companyand payments are being made on the account.The OC changes your address to that of the management companywho is nowe handling things for you. The OC never contacts you again after changing your address to the management company.Two months later your account is given to a CA who neveranswers DV. The CA contacts you at your home addresswith a dunning.6 month after that a law suit is brought with a billing statementattached to the complaint and your address is on the billingstatement..... this statement dated for the month the CAdunned you.The OC had been using the address of the management company.Therefore, this is a bogus statement that was never sent to me.What kind of violation is this.... ? Link to comment Share on other sites More sharing options...
antiquedave Posted March 17, 2011 Report Share Posted March 17, 2011 sounds like a separate thread Link to comment Share on other sites More sharing options...
donqII Posted March 17, 2011 Author Report Share Posted March 17, 2011 sounds like a separate threadGood idea... will do it now. Link to comment Share on other sites More sharing options...
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