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gary

Joined: 09 Sep 2008
gary's page
Posts: 6

102 Magic Points

Subject: help

Tue Sep 09, 2008 3:46 pm

who do i complain to about a nuisance debt collection agency

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 424

10960 Magic Points

Wed Sep 10, 2008 11:27 am

Hi Gary
If the debt collection agency asks you to repay a debt, you should send a DV letter by certified mail. If they validate the debt and you accept the validation, you should pay it off as soon as possible because if they report the debt to the credit bureaus and the debt gets listed in your credit report, it will stay there for seven years and lower your score. However, if they do not validate the debt, but still ask you to repay it off, you should send a cease and desist letter to the collection agency which will stop them from harassing you.
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Where there's a will, there's a way !!

1002543

Joined: 31 Aug 2008
1002543's page
Posts: 84

100 Magic Points

Wed Sep 10, 2008 11:42 am

BBB, AG, FTC

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 534

13649 Magic Points

Wed Sep 10, 2008 11:55 am

Yes, you should consult a lawyer to send a cease and desist letter. Once you send a C and D letter, the collection agency may move the debt account to legal status. But the most important thing which you should know before sending a cease and desist letter is that, this letter may insist them to bring legal suit against you immediately. So you should send this cease and desist letter only if they do not validate the debt within 30 days from the date of receipt of the letter. You should also make a complain against them to the state AGs office and the FTC.
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Best Wishes
Justin


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