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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon Aug 04, 2008 2:45 am
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| Wow Robert I wish I could help ya here. thre is an atty web site that they allow you to ask one free question a month and a lawyer from your state will post you a reply on that website and e-mail you that your question has been answered. Its "www.lawguru.com". try and see if you can get any advice there. Also check back here and see. Good luck. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Mon Aug 04, 2008 6:27 pm
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Have you used this website fireyone? Do they really answer you? Are they good thorough answers? I would like to ask a question about a summons that was served on me like over a year and a half ago and still waiting for some resolution. Please let me know.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Aug 05, 2008 2:32 am
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| Yes on many occasion and I will say they are genuine about getting back to you. You know GN I remember asking you if anything ever became of that whole situation. It is an awful long time to wait. May I suggest if you find that the situaton hasn't resolved itseld and you are finding yourself waiting for an answer you should go there yourself and post the question. Maybe there is an SOL on how long they have to complete the process. If you do let us know so we may use this info in case some one else needs it. |
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Betty08
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Subject: Reporting a paid balance as unpaid.
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Mon Aug 18, 2008 3:31 pm
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| I just wanted to add that I am also currently having trouble with this company. I paid off an old cable bill that had gone to collections with them. I didn't realize it had gone to collections since I never got any notice, so I paid the cable company directly. That was in February of this year. I am still fighting just to have the balance updated to zero and paid. I have disputed this on my credit file several times now, even sending in proof that this has been paid. Still no such liuck! |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Fri Aug 29, 2008 1:24 am
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| So they didn't even delete it? Who did you dispute this with? I would contact the cable company and explain the situation and then get a hold of the credit bureaus asking why it isn't removed. Maybe you should send the collector a debt validation letter along with a COPY of the check or reciept showing you paid it. |
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anthony
Joined: 31 Jul 2006
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Posts: 550
13573 Magic Points
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Sat Aug 30, 2008 11:49 am
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First send a DV letter to the CA by certified post. I am sure they will not be able to validate your debt because you have already paid it off. Now send dispute letters to the bureaus with the proof that you demanded debt validation which the CA could not validate. I think the bureaus will get it removed from your credit report.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Sat Aug 30, 2008 12:09 pm
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| I think the company has up to thirty days to validate the debt. If they don't then you can get the letters out and get all this taken care of. Good Luck. With a litle legwork this should all be taken care of shortly. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Tue Sep 02, 2008 6:34 am
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Yes, the creditors or the collection agencies have only 30 days from the date of receipt of the debt validation letter to validate the debt or in other words the CA must prove within the period of 30 days that either they have purchased the debt from the original creditor or the original creditor has given them authorization to collect the debt. If they cannot validate the debt within this period, they CA would not be able to proceed further to collect the debt and at the same time cannot contact you further for the debt as per the fair debt collection practices Act. Moreover, the CA is required to remove the listing from your credit report. However, if the CA does not validate the debt and in spite of this do not remove it from your report, you can send a dispute letter to the bureaus asking them to remove the listing from the report.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Sep 03, 2008 1:13 am
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| Thats what I thought. Can they go back after not being able to validate and ask the OC for the proof and then validate or do they only have that 30 day period. |
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anthony
Joined: 31 Jul 2006
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Posts: 550
13573 Magic Points
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Wed Sep 03, 2008 6:46 am
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The collection agencies have only 30 days to validate the debt. Within this period, they may contact the original creditor for the proof. But what happens is that whenever the CA purchases the debt, they purchase them in bulk at a very low price (sometimes even less than 50% of the debt amount) from the OC without any papers and so most of them cannot validate the debt. However, if they cannot validate the debt, they need to remove the negative listing from your report.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Fri Sep 05, 2008 12:28 am
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| Well at least this is good. It must be a oretty prosperous business because there are so many collection agencies out there. |
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rod
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Subject: CCS fax
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Fri Sep 05, 2008 4:55 pm
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| Matt: can you share CCS' fax number? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Sat Sep 06, 2008 1:16 am
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I sent them debt validation and they still refused. These guys are not so nice, for the lack of a better word. I think a new system needs to be put in ther place.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Sep 06, 2008 1:19 am
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| Who dod you send a DV letter to gn? Have you ever figured out what the other collection agency wanted? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
1224 Magic Points
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Sat Sep 06, 2008 1:23 am
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Yes, I called them, it is a direct tv bill, this really irritates me because I sent back the recievers and they were supposed to send me a final bill and never did. I don't see how they could turn it over to collections if they did not send the final bill for me to pay. I am not going to pull a number out of the air to send them.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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