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goldie
Joined: 18 Nov 2009
goldie's page
Posts: 1
39 Magic Points
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Subject: how can I tell if a debt collector is above board
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Wed Nov 18, 2009 6:57 pm
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| I did browse the forum. I am in NC. I have received a call from Falzone Law Office in NY. The person I speak to goes through a lot of "legalese" concerning a debt. He gave me a 3 day deadline to pay a debt before "action" would be taken. I would not agree without a debt validation letter. Initally, he would not agree. I sent a certified letter to the address listed on BBB website. It was never accepted and was returned to me unclaimed. In the meantime, I received a letter from the company with some of the info I requested on the phone (amount to settle, name of creditor, account number). However, I am worried because the company does not seem professional. Since I lost my job, I have dealt with other companies whose practices were much better (and I was able pay the debt and they reported it to the credit bureaus). The letter I received was something a 12 yo could have done and I have seen nothing but bad reports about this company on the internet and at the BBB. What should I do next? (sorry for the length). |
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marcusandila
Joined: 27 Oct 2009
marcusandila's page
Posts: 148
3025 Magic Points
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Thu Nov 19, 2009 12:34 am
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| goldie, IS it a real debt that you owe?! or is it just a scammer? |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Thu Nov 19, 2009 1:54 am
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| You need to pull your credit report and see if the debt they say belongs to you is listed. I wouldn't pay them anything unless they sent me a copy of the original contract signed by you. Make sure to send the letter certified with receipt as proof they got it. Incase it does end up going to court. Then you can prove they couldn't validate the debt. |
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Guest
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Thu Nov 19, 2009 1:15 pm
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| do have real debt. But I had some of my personal info compromised about a year ago, so it is possible that it may be a scam. I did have a fraud alert put on my credit. However, my concern is that I will pay and 4 mos later or 6 mos later, the orginal creditor will come back and say that I still owe them the debt. I did send the orginal debt validation request via certified mail--the company nevcer signed for it and it was returned to me. Could I still pay the originl creditor? I am in a postion to settle/pay in full the debt now. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu Nov 19, 2009 4:52 pm
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| Do not do anything until you get debt validation. Dis you send the debt validation by certified mail? It appears you did since you mentioned they denied accepting the letter. What they sent you by mail was in no means debt valdation. Proper debt validation is a copy of the original contract you signed with the original lender. This compnay appears to be on the crooked side to me. Do you know when you last made a payment on this debt? Pull your report and look under account history for the debt. It should give you some idea. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: debt
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Sat Nov 21, 2009 1:46 am
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| Also...you can check the BBB site (VIA the Web) and see if there are complaints, etc. about the CA. You can usually 'Google' the name of the CA and found out info that way. Don't send a dime to them until you find out the answers you're looking for!! |
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WP Themes
Guest
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Subject: Independent Wp Themes
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Fri Jan 01, 2010 1:42 am
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| Genial fill someone in on and this mail helped me alot in my college assignement. Thanks you on your information. |
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cinnamngrl
Joined: 01 Nov 2008
cinnamngrl's page
Posts: 480
2736 Magic Points
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Sat Jan 02, 2010 8:03 pm
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| most states have to license collection agencies |
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