Cohl0406

CROSSTOWN LAW LLC LETTER

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my husband received a letter from crosstown law after disputing a debt through experian, the debt is not his. The letter states their records with Pinnacle did not substantiate this claim and to send them proof of this. Is it not their duty to provide proof this is in fact his debt? The letter states he has 5 days to respond or they will report their findings to the credit bureaus. Should he respond to this letter? What should be the next steps? We both have open disputes for a few things on our reports and honestly have never dealt with this before. Any help would be greatly appreciated. 

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4 hours ago, Cohl0406 said:

The letter states their records with Pinnacle did not substantiate this claim and to send them proof of this. Is it not their duty to provide proof this is in fact his debt?

Yes, but if he does have proof that the debt is not his it is more expedient to send it to them.  

4 hours ago, Cohl0406 said:

The letter states he has 5 days to respond or they will report their findings to the credit bureaus. Should he respond to this letter?

Yes.  I would send a tersely worded letter that it is not the consumer's burden to prove the debt is not theirs but the creditor's burden to prove it IS.  I would let them know I am opening a complaint with the CFPB (and do it at the same time) regarding their refusal to validate the debt and open threats in violation of the FPDCA.  Texas also gives him further rights and I would invoke Texas Finance Code 392 demanding proof the debt is HIS as well.

Then I would head to NACA Attorneys and get a free consult with a consumer attorney to discuss suing both Pinnacle and the law firm.  Pinnacle is infamous for violating the FDCPA.

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Is this even an actual law firm? Is this where they care violating the laws? I cannot find anything on them being an actual law firm. I am going to get on responding to the letter. I'm not sure how someone would have proof that something is not theirs. They provided no records to show this was a valid debt. 

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11 minutes ago, Cohl0406 said:

Is this even an actual law firm? Is this where they care violating the laws? I cannot find anything on them being an actual law firm.

Apparently this is not a law firm at all and a farce that Pinnacle uses ALL the time.  I would also add language to my letter asking for the Bar Association license number and state license number for the attorney(s) involved in this collection.  

Find a good consumer attorney.  There are quite a few lining up to sue Pinnacle over these collection tactics.

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3 minutes ago, Cohl0406 said:

Great. I will add that also. If they aren't a true law firm that's a clear cut violation. Looks like we can get this fixed easily. I've read a lot of cases where people have sued this "law firm" and they always settle. 

Contact your state bar association to see if anyone there knows if the company is an actual law firm, or if anyone who works for the company is an attorney.   It it's not a law firm, get a consumer attorney and sue it for violating the FDCPA and possible state laws.

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