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3 collections acct., same co.


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  • 2 weeks later...
Read section 810 "multiple debts"

This should be what you're looking for.

http://www.creditinfocenter.com/legal/FDCPA.shtml

"§ 810. Multiple debts [15 USC 1692h]

If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer's directions."

Does that mean you should dispute all of them before negotiation?

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  • 4 weeks later...
"§ 810. Multiple debts [15 USC 1692h]

If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer's directions."

Does that mean you should dispute all of them before negotiation?

Bump for this question.

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