There seem to be some violations of law here -- the calls should stop between your request and the collection agency providing a written response.
Did you write to the credit reporting agencies and dispute the debt there? That may also help but only if there is an actual error on your report. If this is a debt you owe and it is accurately reported, do not dispute it.
You can contact a consumer attorney who specializes in this area of law in Houston by looking at National Association of...
Chapter 7 is bankruptcy. There is no negotiating of balances on unsecured debt in a Chapter 7.
You seem to have gotten a lot of misinformation. I would recommend you seek a consultation with a consumer bankruptcy attorney.
I would look for an attorney who was with the National Association of Consumer Bankruptcy Attorneys.
I am so glad you asked this question. My answer is No, please don't send anything like this, it barely makes sense. Fake legalese like this is just so unnecessary.
Just write clearly in English.
Just say "I am requesting validation of the debt" and include any account numbers (there are often more than one account number, one from original and another from collector or debt buyer). Maybe send a photocopy of the notice sent to you.
Then send it certified mail, return receipt...
No, this violates the federal debt collection procedures act (FDCPA) as well as state laws which differ by state, but often include invasion of privacy.
It also sounds like assault, both criminal and civil. Any collector doing that may be hard to get civil remedies against -- at least tough to collect money from.
I would suggest you get a police report, a restraining order, and then see a consumer attorney in your area about any consumer claims.
Is this a payday lender?
Fraud can occur when the person pushing the sale lies to the consumer --that may have happened in this case. What is a "salad master consultant"? Was your aunt promised something along the lines of "90 days same as cash" and then interest added? That would be fraud.
The problem your aunt is going to face is that I cannot imagine how much a salad master costs, but I am betting it is below $1000. When a company defrauds a consumer and the result is a small amount of damages, it may be...
Send your letter certified mail, return receipt required.
My preference for letters to request validation is for them to say, "Dear Reader, On [this date] I received a letter from you about an account you have numbered XXXXXXXXXXX. I am requesting validation of this account. Thank you. Sincerely, Consumer."
Please be aware that what is required for validation is just about nothing -- the collector can send a letter back saying, "We looked and yep, that's you" or something similar and...
No, but you would be wise to take steps to deal with the judgment one way or another.
It is impossible to predict what will happen next, but in my experience there are three main things the owner of the judgment will do in California.
(1) Levy your bank account. You will not be warned about this.
(2) Garnish your wages. You may or may not find out about this before it happens, but usually not in time to stop the first garnishment.
(3) Serve you with a notice for a "Debtor's...
There are three different things you can request in a letter, I want to make sure you are doing what you want.
First, you can request verification, as you stated. This must be done within 30 days of the first letter (as stated in the notice in the letter). If you request verification, collection efforts should cease until you verification is sent. HOWEVER, almost anything counts as verification. This is a way to buy time, but it does little to actually get you information. The collector...
Not only won't you go to jail, you may have. Had the judgement against you wrongfully. If you can get the court papers, it would be worthwhile steering how it states you were served with the suit.
On the other hand, with the stress you ars having from a list of creditors wanting payment, I strongly advise you to have a consult with a consumer bankruptcy attorney. I am including a link to the, National Association of Consumer Bankruptcy Attorneys website.
First -- avoid anyone who promises to "fix" your credit or any websites or books that use that term.
Second -- you can get one free report per year from each credit reporting agency. You can get this by going to www.annualcreditreport.com
Then take a paper copy of the report and a highlighter. Highlight each thing you do not recognize. Realize that some debts may be collected by a different company but the creditor you originally got money from will still own the debt. Other debts...