Michael Stephen Agruss’s Answers

Yes, I'm interested. I'm admitted in IL and CA. I have settled over 1,500 FDCPA cases. Therefore, I know how to quickly handle these cases. Thanks. Michael Agruss www.agrusslawfirm.com

Yes, you can get the calls to stop if you send the collection agency a cease and desist letter. However, you then run the risk of the collection agency sending your account to another collection agency, or possibly getting sued on the account. If you've reached a settlement agreement with the collection agency, and you are making timely payments, I would deal with the one call per month. Plus, one call per month reminding you to make payment is better than missing payment and having judgment...

I would send something in writing to the doctor and to your insurance company explaining the situation. Make sure to mail the letter certified mail return receipt. That way, if your account does end up in collections, at least you took proactive steps to clear it up beforehand. Another option to get the doctor's attention is to file a complaint with the Better Business Bureau. If your account does get sent to collections, you will want to dispute the the debt and request validation. I...

You are correct that the FDCPA does not apply to origincal creditors. I would be suspicious of a company that is using spoofing technology, as it's likley a scam. What name and/or number shows up on your caller ID? Do you have any outstanding debts? Have you taken our a payday loan in the past?

Your question deals with section 1692g of the Fair Debt Collection Practices Act. One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…send the consumer a written notice containing” the following information: (1) the amount of the debt, (2) the name of the creditor to whom the debt is owed, (3) a...

If you do now owe the debt, send a letter, certified mail return receipt, to the collection agency disputing it. Include proof of payment and a detailed explanation why you do not owe the debt. One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…send the consumer a written notice containing” the...

You shoud send letters, certified mail return receipt, to both the collection agency and to the original creditor with proof of payment. You should also request both parties to stop contacting you. If the collection agency continues to communicate with you, you will have a claim under the Fair Debt Collection Practices Act. The FDCPA has been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is...

It's a scam. No legitimate collection agency would treat you like this. You should ignore the calls, file a complaint at www.FTC.gov, and ask your phone company to block the number. Do not give any of your personal information to the collector. Most of the scams I've seen deal with people that have taken out payday loans in the past. If you have any other questions or concerns, please let me know. www.agrusslawfirm.com

The Fair Debt Collection Practices Act (FDCPA) has been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The FDCPA creates guidelines under...

One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…send the consumer a written notice containing” the following information: (1) the amount of the debt, (2) the name of the creditor to whom the debt is owed, (3) a statement that the consumer has 30 days to dispute the debt, otherwise the debt will be...