Helpful Resources

Community

Popular Discussions

Creditmagic Twitter

Credit on Facebook

Home

Credit Forum

Credit repair

collection agency threating even after removal

Post reply Start a topic

Author

Message

Options

	Print this topic
	Invite a friend
	Email this topic

Bookmark online

	Add to del.icio.us
	Add to YahooMyWeb

dawnmarie52903

Joined: 04 Sep 2009
dawnmarie52903's page
Posts: 3

80 Magic Points

Subject: collection agency threating even after removal

Wed Sep 30, 2009 5:38 pm

i got a letter from a collection agency say ing that they are going to file a suit against me in 90 days, but they already deleted the account from my report when i disputed it, what should i do

redoctober

Joined: 30 Sep 2009
redoctober's page
Posts: 6

114 Magic Points

Wed Sep 30, 2009 11:51 pm

I would like to know the answer to this one as well.

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Thu Oct 01, 2009 7:32 am

Hi dawnmarie,

Once you have disputed the debt and the CRA has removed it, ideally it should not reflect on the credit report again. That listing has already been removed due to inadequacy in its validation. So, if the debt was not validated, then you do not need to pay for that, neither should it appear on the report. I would suggest you to call back the CA and talk to them regarding this issue. I think you can also send a debt validation letter to the CA asking to validate your debt, which I think they will not be able to do as the listing was already removed once.
_________________
All the Best Smile

Justin

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: debts

Thu Oct 01, 2009 1:00 pm

JUSTIN.......even if a CA DOES send you a 'validation', how can you REALLY tell if the validation is genuine? Also.....if CA's DON'T send you a validation, doesw the CB's have a obligation to 'remove' the debts from your CR? I've had this happen before. I had CA's tell me that they would not send 'validations'. THEN I 'disputed' the debts with the CB's, telling the CB's an explaination why I was 'disputing' them. STILL...these debts remain on my CR.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Fri Oct 02, 2009 1:48 am

SD, I can not understand how they are remaining on your report if they refused to validate. By rights (yours) if they do not validsate then you should be able to dispute and remove them. Make sure you keep record of the validation request that you sent out so if they would take you to cout you would win. Have you contacted the bureaus on any of this? What about the atty general? You could ask him what step you would follow once the debt wa not validated and they were not removed from your report.

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Fri Oct 02, 2009 9:33 am

Hi Sd,

The CA is supposed to provide genuine documents of validation to you. It should provide a copy of the original contract with creditor and also a copy of the document proving that the creditor has sold the debt to the CA. Otherwise they are violating the FDCPA. A debt listing should not remain in your credit report if it cannot be validated. Come to think of it logically, why would someone pay a debt which legally does not belong to that person? The listing should get removed after you dispute it, when the CA could not validate. If you still find it in your report, then you have to contact the CRAs and ask them to clarify it. However, before approaching them, make sure you have all the documents that will prove that you requested for validation. If the problem persists even after this, like Firey said contact the State Attorney General for guidance.
_________________
All the Best Smile

Justin

dawnmarie52903

Joined: 04 Sep 2009
dawnmarie52903's page
Posts: 3

80 Magic Points

Fri Oct 02, 2009 10:11 pm

it is not on my report anymore, but they are sending me a letter threating to sue me, even though the debt isnt on my CR

Quick Reply

Your Name

Subject

Message body


Page 1 of 1

Home|Contact Us|Terms of Services|Privacy Policy|RSS

* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.