If you are not positive that you owe the debt - dispute it. Under the Fair Debt Collection Practices Act, Debt Collectors have to validate the debt if you dispute it in writing. Make sure they prove to you that you owe the debt before you pay them!
Make sure they are legally authorized to collect the debt
Some debt collectors, as discussed on www.debtcollectorshateus.com and in my other legal guides, attempt to collect debt that they are not authorized to collect. Before you pay CRF Acquisitions, LLC a dime, make sure they are legally authorized to collect the debt.
Don't Listen to their threats
From the consumers I've spoken with, CRF Acquisitions loves to threaten to take action against consumers it cannot take. CRF Acquisitions is not a law firm, does not have any lawyers on staff, and will likely not take legal action against you if you don't pay. Ignore the lies - don't listen to their threats!
Keep proper notes!
Every time CRF Acquisitions contacts you, keep detailed notes about what was said during the conversation, who you spoke with, and how the harassment (if they do harass you) makes you feel.
Contact the AUTHORITIES
IF CRF Acquisitions, LLC is harassing you, file a complaint with (1) Better Business Bureau, (2) The Federal Trade Commission and (3) The New York Attorney General. Links to these websites are provided, below.
Contact a Consumer Protection Attorney
If CRF Acquisitions is harassing you, please do not hesitate contacting a consumer protection attorney. They can help you fight back and expose CRF Acquisitions for what they are.
Additional resources provided by the author
For More Information visit www.debtcollectorshateus.com
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