Re: When do I get that first letter from the CA.

Posted by Drew (24.59.27.46) on December 17, 2003 at 14:07:04:

In Reply to: Re: When do I get that first letter from the CA. posted by bankrupt do not pass goal on December 17, 2003 at 13:31:50:

This is true. However there is a gray area here.

I am not sure that leaving a message on an answering machine constitutes communication with a consumer, especially if you can't verify by the answering machine message that it is the correct consumer.

That to me would be a little more on the gray side.

If you have an answering machine that states clearly your name and residence phone number, it might be constructed as initial communication. However if you have an answering machine that has voice mail just identifying the number or merely leaving a general message such as "The Party you have attempted to reach is not available. Can you leave your name and phone number?"

If a collection agency left a message on an answering machine that has no identifying information as to who the line belongs to, then I would not consider it at all initial contact.

They do however after contacting the consumer and establishing that they have contacted the consumer send the notice in writing within five days.

The question for me is does leaving a message on your answering machine constitute initial communication.

Follow Ups:

Post a Followup