HockeyFan Posted May 25, 2016 Report Share Posted May 25, 2016 Asset Recovery Solutions, LLC sent me a collections letter stating they would settle for 90% of an amount of, let's say ~$2300. I sent DV letter and got back 3 statements with the most recent showing ~$1800. Last statement is from 2012 and I am in GA. OC was Best Buy is not on CR nor is a collections from Asset. The current creditor is listed on the letter as Bureaus Investment Group Portfolio NO 15 LLC (WHO????) Hit me with suggestions! Thanks! Quote Link to comment Share on other sites More sharing options...
BV80 Posted May 25, 2016 Report Share Posted May 25, 2016 1 hour ago, HockeyFan said: Asset Recovery Solutions, LLC sent me a collections letter stating they would settle for 90% of an amount of, let's say ~$2300. I sent DV letter and got back 3 statements with the most recent showing ~$1800. I don't know if you're using actual amounts or not. Did the full amount of the debt they claim in their collection letter match the amount shown on the latest statement? Quote Link to comment Share on other sites More sharing options...
HockeyFan Posted May 25, 2016 Author Report Share Posted May 25, 2016 I am use close to actual amounts. And no, they do not match. Not even close. Quote Link to comment Share on other sites More sharing options...
BV80 Posted May 25, 2016 Report Share Posted May 25, 2016 2 minutes ago, HockeyFan said: I am use close to actual amounts. And no, they do not match. Not even close. Well, then they didn't validate. The purpose of validation is to verify that the amount claimed is the amount that's owed. Quote Link to comment Share on other sites More sharing options...
HockeyFan Posted May 25, 2016 Author Report Share Posted May 25, 2016 So send them another? Quote Link to comment Share on other sites More sharing options...
BV80 Posted May 26, 2016 Report Share Posted May 26, 2016 3 hours ago, HockeyFan said: So send them another? You could, but first I'd speak to a consumer attorney about an FDCPA lawsuit. Quote Link to comment Share on other sites More sharing options...
BV80 Posted May 26, 2016 Report Share Posted May 26, 2016 @HockeyFan To add to my previous post, in light of the SCOTUS ruling in Spokeo, I'm not sure you'd have an FDCPA claim. But an attorney would know more and could also check into possible violations of state consumer laws. Quote Link to comment Share on other sites More sharing options...
HockeyFan Posted May 26, 2016 Author Report Share Posted May 26, 2016 Can't afford an attorney right now It's all me for now Quote Link to comment Share on other sites More sharing options...
BV80 Posted May 26, 2016 Report Share Posted May 26, 2016 12 hours ago, HockeyFan said: Can't afford an attorney right now It's all me for now Some attorneys will handle consumer law claims on a contingency basis. Also, the FDCPA allows for a winning plaintiff's costs to be paid by the debt collector. Contact NACA to see if there's a GA consumer attorney who would provide a free consultation. http://www.consumeradvocates.org/find-an-attorney Quote Link to comment Share on other sites More sharing options...
HockeyFan Posted May 26, 2016 Author Report Share Posted May 26, 2016 I sent a couple emails to some firms that offer free consultations. We'll see what happens. Quote Link to comment Share on other sites More sharing options...
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