Re: Collection agency

Posted by Linda on February 19, 2002 at 11:17:34:

In Reply to: Collection agency posted by Kathy on February 19, 2002 at 07:05:27:

The FTC has said that putting a derogatory entry on a person's credit reports is considered an attempt to collect a debt. Since they have not ever contacted you or given you the opportunity to dispute the debt, prior to reporting it, they are already in violation of the FCRA and the FDCPA.

If you dispute this with the credit bureau and they say it was "verified" then I think the other approach would be next - send a validation letter and cease letter to the CA. Requesting "validation" is actually a method of disputing the account with the CA. It does not matter that the debt is yours, you still have the legal right to dispute this debt. Since they have been so backhanded about their collection attempts, don't worry about owing it. Chances are, the SOL is up, they can't collect. You would not be paying the utility company, you would be paying a collection agency who bought the debt in order to make a profit.

It's best to chase them off at this point. The law is in your favor.

Linda

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