Collection agency was informed to cease communication with me unless it involved validating the debt. However, the sent a replica letter of the first notification still not validating the debt with the same threat and completely disregarded my first cease and desist letter. What’s next?
Send the cease & desist letter by certified mail, and repeat as needed. Send a dispute of debt letter in writing to the credit bureaus, certified mail will better require their response. If you have actual damages which can be measured in dollars, consult with a consumer attorney that handles Fair Debt Collection violations. If you have overwhelming debts, consult with an experienced bankruptcy attorney. Filing bankruptcy will require that they cease and desist, or they can be required to appear before the bankruptcy judge to explain why they insist on violating laws.
General legal advice is offered for educational purposes only. A consultation with a qualified attorney is required to determine specific legal advice as to your situation and applicable law. We are a debt relief agency and we help people file for relief under the bankruptcy laws.
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