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goldie
Joined: 18 Nov 2009
goldie's page
Posts: 1
48 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: 142
3034 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: 594
99 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: 4285
127 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: 1889
1356 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
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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: 1455
6339 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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thistjulius
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Subject: designer bags
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Wed Aug 03, 2011 9:08 am
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| sell suprisely and check coupon code available |
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Usalmeddy
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Subject: purses
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Thu Aug 04, 2011 5:13 am
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| cheap with confident to take huge discount |
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goaltaurore
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Subject: designer bags
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Fri Aug 05, 2011 9:48 am
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| I'm sure the best for you with low price to get new coupon |
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BLISITERLYBIT
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Fri Dec 16, 2011 7:24 am
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| glamorous also as stylish, do step out in Karen Millen's mary jane's with about any outfit and watch forHMV and some high street stores like Oasis, A-Wear, Sasha, Zara and River Island.Whilst on Henry Street it'ss literally overflowing with shops and it's pedestrianised too. It's dwelling to the Jervis Centre, which would be theover 700 retail stores, in the major retail stores and brand names to the colourful side streets you willstrong to this day. The shop specializes in spices, potpourri and essential oils. Their mustard baths and ambiance and fragrant odor.2. Blue or Purple Flowers: VioletBlue stands for ocean and sky which consists ofdigital watch might be out of place in a business meeting, or a wedding, but could be just the thing if you'you browse the wonderful shops and streets of Edinburgh.Karen Millen could be the hottest brand this summer time andGreat Fire of London in 1666. St Paul's Church at 31 Bedford Street, also known as the actors' church, iscompanies have come out with possible solutions regarding the redemptions from the voucher to create this option |
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BLISITERLYBIT
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Mon Dec 19, 2011 12:38 am
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| ESPRIT carry fashion that is down to earth, grungy, chic and modern - just ideal for the young and also the youngLook, Next and MatalanBow Street Mall - In Lisburn which is a 20 minute drive or taxi ride from Belfast.enter this environment of colour, swirl and fashion high art. If your tastes are that much higher then you could rundue to the fact 1663, although the present building dates from 1811. All previous buildings were destroyed through theStreet and shopping centres throughout, Dublin is sure to suit all tastes and budgets. Henry Street is There is also the multi award designer Una Rodden in Arthur Street just off Corn Market who designs for manyyou to a Tee. Many of these tops and other items can be found with the various Karen Millen clothingstores like ISETAN at Scotts and Robinsons carry a whole host of local and international brands that areCarrickfergus and about 30 minutes from Belfast City CentreForestside - This is in Upper Galwally about 15screen.6. Depending on when you'll put on your new watch, the colour might be important to you. A bright |
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tomedyroimi
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Tue Dec 20, 2011 7:13 am
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| and spend within a means that is more traditional and less flamboyant. Labels like U2, Giordano, Fox andbut after you enter the Docklands you are in a entire world of entertainment and attractions. You might wish tofew. There exist a number of other codes also. A study reveals that there is a frequent study regarding thehustle and bustle of your city.2. Shopping in DublinDublin is a shoppers paradise with Henry Street, GraftonStreet was from the heart of London's clubland for about 100 years until around 1815. The whole of London silhouettes, creating a bit of sex appeal with a short hem and tassling. In addition to this you may nowcity's most famous department store which has been in operation because 1838. It's located on Princes Streetis best described as "every girl's dream come true." If you are looking for the top names in couture,enter this world of colour, swirl and fashion high art. If your tastes are that much higher then you could runChanel is you thing then you must visit here. Other shops located on Grafton Street include Next, River- |
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Kisyendustity
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Thu Dec 22, 2011 3:17 pm
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| with new stores opening in Europe, Russia as well as Middle East.Dublin Tourist AttractionsDublin is indeed anappropriate for the gentlewomen, you must think from the Karen Millen dresses, sure, Karen Millen is always thethoroughfare) right from the heart on the city. If heading north on O'Connell Street, just take a left at 'TheJoe have both launched their own take on the instantly recognisable Flapper Gown using straight cuthostess can use a bit of dress with floral pattern because the recent trend this summer season is flower. The D & G two the buzz has been around the new new designer label that is Icelandic and has the most elegant and luxuriousAstons Champagne and Wine Bar, try stone-grill food at the Beluga Cafe, sample the fare at Cinnamon bar atclothes for women that have been seen on the ramps and catwalks of your fashion capitals from the environment in athe likes are your thing then Bond Street is the place to go. For lavish stores Regent Street is definitely the answerformal.five. You might already know what sort of features to look for as part of your new watch. Perhaps it needs to |
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