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Re: help!


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Posted by Cassidy (24.159.75.15) on September 04, 2002 at 23:40:14:

In Reply to: help! posted by Michele on September 04, 2002 at 23:14:49:

DO NOT deal with them on the phone for starters. Negotiate that debt down. Hell it's probably a collection agency and you could possibly settle for what he has now (that's provided he is within the SOL). If the SOL (statute of limitations) has passed he owes them nothing.

The next and ONLY conversation you need to have with them until you find out some information should be to get a "firm name", address, rep you're talking to and a phone number and THAT'S ALL YOU SAY. If they're hesistant about giving that out..YOU GOT YOURSELF A LYING COLLECTION AGENCY!!! Law firms usually give that out easily. Investigate who this person is that's calling. If this is a collection agency that has represented itself falsely your boyfriend HIMSELF may be due some money for violation of his FDCPA rights.

Go to this link and find out what yours and his rights are.

http://library.lp.findlaw.com/articles/file/federal/ftc/ftc000049/title/Subject/topic/Consumer%20Law_Credit/filename/consumerlaw_1_97

Also, what state are you in, how much is the debt, and when did it go into charge off? These are all important to answer and everyone will go from there to help.

Definitely get rid of that bank account and do NOT give out the new account number to anyone. Any payments for anything should be made via money order and keep all receipts.

You need to get his equifax, transunion, and experian reports as well to see who's reporting.


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