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Re: Collection on me for a charge-off account from Chapter 7


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Posted by CardReport.Com on October 17, 2000 at 04:07:46:

In Reply to: Collection on me for a charge-off account from Chapter 7 posted by Cary on October 17, 2000 at 04:04:01:

Write to the credit bureaus, and dispute the item.
Be sure to include photocopies of documentation,
such as the official court listing of which debts
were discharged.

Even if the collection agency has bought the debt,
they are still apparantly covered by the Fair Debt
Collection Practices Act
. This gives you the right
to dispute the validity of the debt, (by writing
to the collection agency) and they must confirm it.

I recommend *only* dealing with them in writing,
*not* on the phone. Include copies of docmentation.

You can also file a complaint with the Federal
Trade Commission. They do *not* get involved with
individual cases, but they may take action if this
agency is consistantly engaging in abuses like this.
The relevant state Attorney General's offices may
also be a good place to complain to.

Include a copy of your governemental complaints with
any correspondance that you send to the collection
agency, to get their attention, and let them know
you are serious.

Additional information can be found in the Credit
Problems
and Credit Laws sections.

Good Luck.


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