Do missed calls count as "initial communication" under the FDCPA?

I tend to agree, it would depend on level of communication, like if they say in a voicemail "this is an attempt to collect a debt. . . blah blah...

How can I keep from ruining my credit because I can't pay my medical bills on time?

Unfortunately I agree with Mr. Geffen that often debt collection companies don't abide by state or federal law. However, I would still use those...

How long do they have to persue this case?

This is a common debt collector tactic. They dismiss cases without prejudice and use them as adjournments. Understand a difference in terms:...

In New Jersey Special Civil Part, what proofs are required by plaintiff, in contract action to collect alleged debt?

I think some of your confusion may derive from the distinction between debt collection agencies and the law firms creditors hire. I often have...

Can a collections law office suspend my license?

I would just add to what Mr. Thomas said (which was a good answer): you likely have an FDCPA action. The FDCPA applies to all third party debt...

My main concern revolves around the debt validation. Did you, in writing, request debt validation within 30 days of the initial contact? If so, how...

Do I need to respond to a summons I received naming me as a defendant, or how do I respond according to Chapter 802 WI State?

Regardless of the merits to any plaintiff's claim, you ALWAYS need to respond to the complaint. If there is no response to the complaint a default...

I need information on how to respond to a summons/complaint in NJ reguarding a student loan that was not used.

I agree with the first poster that insufficient facts are given to address the substance of your case. A few general points on answering the...