Kevin Valentine Kamran Crick’s Answers

From my experience that would not necessarily be enough. It is not enough to provide what you say they provided you. They must identify the terms of the loan, display accounting of any payments, the dates on which those payments were made, the interest which had accrued, any late fees which had been assessed, and so on, including the existing unpaid contract balance. Basically, they must send you full payment history, a copy of any contract, and how they calculated any fees tacked on. If...

The collection agency has to receive information to help validate the alleged debt from the current creditor. The FTC has stated that mere itemization itself is not enough. They cannot just give you what their own account information and offer it as proof that the alleged debt is valid. Copy of the signed contract is good, but they should also give you something breaking down the charges. If you have actually spoken with this agency feel free to call my firm early next week and we could try...

I agree with the other attorney's answer, you should contact a local attorney immediately.

In full agreement with Attorney Meyers, please seek an experienced Bankuptcy Attorney licensed in your jurisdiction that won't charge you an arm and a leg for their representation.

Feel free to call my office to discuss this, and we will try to direct you to an attorney who can help you in regrads to this. In my opinion, they are liable to you for violating two federal acts, the Fair Debt Collection Practices Act, and the Electronic Fund Transfer Act. They could owe you max $1000.00 for violations of the FDCPA, and max $1000.00 for violations of the EFTA. This could be leverage that you could use against them to negotiate a better payment plan, if there was any fraud...

I don't think that they have to provide all, but I do believe that whatever they are providing MUST come from the current creditor. They cannot just print whatever they have on file. If they do it could be a misleading communication back to you from the debt collector that could entitle you to max $1000.00 under the Fair Debt Collection Practices Act (FDCPA). Please feel free to give my office a call early next week so that we can try to put you in touch with an attorney in your state who...

I agree, it is likely that this is fine.

It will likely affect your credit score. Feel free to message me and I might be able to put you in touch with an attorney in your state who can help to determine if the collectors have violated your rights, as well as the creditor.

I believe you should contact a local attorney as soon as possible, and prove that attorney with more facts, hope you find success in that.

As the others are saying, I concur, you can seek this.