Collection Agency Not Licensed to Collect in my State

Submitted by jenaywins on Tue, 06/15/2010 - 21:23

... What are my steps? This particular collection agency is incredibly shady.. They have threatened to have me arrested, called my work and disclosed false information about myself, etc etc, all of the above...

I just discovered that they are not even licensed to collect in my state. What are my steps to get this off of my credit reports?

Thank you!

Hi jenaywins,

Can you tell whether or not you have documents to prove that they are not licensed to collect in your state? File a complaint with the Better Business Bureau, and the Federal Trade Commission. Also, complain about this colelction agency to your State Attorney General. They are under violation of Fair Debt Collections Practices Act.

In addition, send debt validation letter to this collection agency, through certified mail, requesting a return receipt. They will probably fail to validate your debt. Then, you can file a dispute with the credit bureaus, to remove the item from your credit report.



Wed, 06/16/2010 - 06:31 Permalink
Anonymous (not verified)

Hi Aaron,

Thanks for your response. I pulled a listing of every collection agency licensed to collect in the state of Arizona from an official state government website. None of the names this shady agency goes by is listed. I did file a complaint with the AZ state attorney general's office and plan on sending them a debt validation letter, including a request for proof that they are licensed to collect in this state, which they obviously cannot provide.

Are there additional steps I should take? This is a very aggressive collection agency, and they are not above illegal tactics... I just fear that they will give me a hard time...

Wed, 06/16/2010 - 15:36 Permalink

What state do you live in?
how old is this debt?
who is the original creditor?
Is the negative tradeline a Collection Agency or the Original Creditor?

Thu, 06/17/2010 - 13:45 Permalink

Hi jenaywins,

Don't panic. It seems that you have already done the needful. Send them the validation letter. They perhaps won't be able to validate your debt, Then dispute this tradeline with the credit bureaus. You will get a sample dispute letter with this community.

cinnamngrl, OP has mentioned that it's a collection agency, and the state is Arizona. You must have missed :)



Fri, 06/18/2010 - 10:23 Permalink
jenaywins1 (not verified)

Thanks for the response, Aaron.

I sent them a dispute letter via certified mail on the 24th of June. They are in California, I am in Arizona. I still have not received proof of delivery, so I am wondering if they could refuse to sign...? Then where does that leave me? I filed a dispute with Experian on the premise that they are not licensed to collect in my state; however, as usual, Experian sided with the collection agency and the entry remains on my credit.

Do I have any options here? I have filed a complaint with my Attorney State General's office.... Not sure where else to go with this one...

Wed, 07/07/2010 - 23:13 Permalink

it doesn't matter if they refuse to sign. Use the mail article number to track the letter on line.

Thu, 07/08/2010 - 01:30 Permalink
jenaywins1 (not verified)

Thank you.

I did track the package online at, and it was delivered on June 21st, although I did not receive a green return receipt. I assume at this point the collection agency has until June 21st to validate the debt, correct? At this point, I have disputed this about a million times via Experian and it has come back verified each time - Experian is a real headache to deal with.

Assuming that this shady collection agency doesn't validate and prove they are licensed to collect in my state by the 21st of July, what are my next steps? Thank you again.

Thu, 07/08/2010 - 04:40 Permalink

there is no time limit for the CA to provide validation. the law says they must cease collection until they do. However after 7/21, I would send a MOV letter to the CRAs

do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment

Thu, 07/08/2010 - 10:18 Permalink
jenaywins1 (not verified)

cinnamngrl, that is not even true. CAs have 30 days to validate the debt. If there was no time limit for the CA, then they would have no incentive to validate ANY debt and thus likely wouldn't.

Also, you are asking questions that I have already answered and are honestly not being very helpful. The answers you are providing me are inaccurate and, again, you are obviously not even reading my posts as all information you requested was posted by me. I'll wait for an answer from another member of this board, thank you.

Thu, 07/08/2010 - 16:26 Permalink
mike84 (not verified)

I also live in Az so I can be of some help. You can also file a complaint with the AZ Dept of Financial Institutions(where I'm assuming you found out the CA was not licensed) there is a form on the website you can fill out and mail in. I believe they'll actually send a letter to the CA asking them to cease activity or be fined.

Also, there is no time frame for a CA to validate a debt. However, YOU have only 30 days from receiving a letter from them to request validation. Though in my experience, I've asked for validation after 30 days and it was either validated or removed from my report.

Hope this helps some.

Thu, 07/08/2010 - 20:22 Permalink

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.

Thu, 07/08/2010 - 22:09 Permalink

do you have all your credit reports?
what state are you in? AZ
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment

As far as I can tell the only question you answered is the State. I ask these things of everyone and it will help. If you read through the FDCPA, you will see that there is no time limit for the CA to respond. there IS a 30 day limit for you to respond to the initial dunning letter.

I am not sure why my questions offended you but getting snippy isn't going to fix your credit. Also you need to login to show that you are the same person that started the thread. It is not usually for random people to chime in with an add on question so I can't assume that just because you answer Aaron, you are the same person.

Thu, 07/08/2010 - 22:20 Permalink
jenaywins1 (not verified)

I am not logging in because I misplaced my username and password, unfortunately, and it is far easier to respond as a guest than to go through trying to recover this information.

Second, I omitted the name of the OC and CA because I didn't feel it relative; however, if you feel that it would help, the OC is Allied Cash Advance and the CA is Marauder - one of the worst. I have never had a payday loan in my life, but fighting this and disputing with the bureaus as not mine is not working. Somehow, the CA keeps verifying the info, though Experian is reluctant to tell me exactly *what* they are verifying. The date of the first delinquency is not listed on my CR, but the date opened shows as 08/2009. Again, I have never had a payday loan in my life so I can't very well verify a date that doesn't exist to me, if that makes sense. I do have all my credit reports and am meticulous about staying on top of everything. This is a real thorn in my side and I'm not quite sure what I need to do here.

Everything that I have ever researched has stated that CA has 30 days to validate a debt...

Thu, 07/08/2010 - 23:29 Permalink

is this Id theft or just CA targeting the wrong person?

just read the FDCPA, that is the source. and the only place that the CA has 30 days is Texas. read your responses. it's not just me.

Fri, 07/09/2010 - 01:18 Permalink
jenaywins1 (not verified)

I don't believe this is identity theft, as the OC has no knowledge of this account and this is the only negative/inaccurate account on my CR; this CA has a long-standing reputation of reporting innacurate information and is just an all-around headache. Experian continues to verify the information as accurate, and I really don't want to pay this shady CA for something I don't owe... I'm really at a loss here, especially if I am indeed incorrect on the DV period...

Mon, 07/12/2010 - 18:14 Permalink

I don't know if you will get upset about more questions but how long has this been on your credit report? also if you tell me who the OC is reported to be it might help. Did you file a complaint with the AG about the CA?

Mon, 07/12/2010 - 23:16 Permalink
Barbara_Elena (not verified)

It is not true that that the collection agency has 30 days to validate the debt. There is nothing in the law which states the time limit that a collection agency has, to respond to a dispute in question.

Tue, 07/13/2010 - 05:05 Permalink
Anonymous (not verified)

cinnamngrl, not upset at all and I sincerely appreciate your help.

It's been reported since around November or so of last year. I did indeed file a claim online with my AG and they sent me a letter stating that my claim was better handled by another agency. This was over a month ago and nothing has happened since.

This CA has called my work and told coworkers, including my boss, that I write bad cheques, that I am going to jail, has yelled/sworn/etc to myself and others... Sigh. It's a mess. :(

Thu, 07/15/2010 - 19:27 Permalink

what agency did the AG refer you to? can you document the contact with co-workers and boss? that is illegal even if you owe the money.

Thu, 07/15/2010 - 21:55 Permalink
jenaywins1 (not verified)

Not sure how I could possibly document it, it would basically be a he said she said situation. I was sitting next to my boss when he spoke with the rep from the CA and heard the terrible things he said, but without a recording I'm not sure what I could possibly prove here. The CA also told me that I was writing bad cheques, would be going to jail, and went so far as to misrepresent themselves as the IRS stating that I owed the money for back taxes. Of course, I can't prove this.

The AG said they sent this information to an agency with the name "Financial" in it... I cannot remember off the top of my head and do not have the letter handy.

Mon, 07/19/2010 - 17:24 Permalink
jenaywins1 (not verified)

ETA: I never did receive a debt validation letter from the CA, but today I got a settlement letter for 50%..... Not sure what to think about this one...

Tue, 07/20/2010 - 02:12 Permalink

Yep..I have a few debts, on my CR, that are inaccurate. The CA's are reporting them wrong!! I've tried calling the CA's and the CB's. The CA's tell me they are not "obligated to send me any kind of paperwork I'm asking", and the CB's say they have to report what the CA's 'validate'. The entire process was a pain!!

Tue, 07/20/2010 - 12:58 Permalink
jenaywins1 (not verified)

sdchargers, so what did you do? Experian won't remove anything and are a PITA to deal with in the first place. When I asked them what the heck it is that they were verifying with this particular CA, they wouldn't tell me.

I am wondering if I should just give this POS CA their measley hundred bucks in exchange for a pay for delete and just move on... Sigh.

Tue, 07/20/2010 - 16:21 Permalink
rkelly (not verified)

there is no 30 day limit .. the way to make this work to your advantage ... if CA does not validate .. dispute with bureaus ... if they verify .. they're in violation of the FCRA ... verifying the debt is considered "continuing to collect"

Wed, 04/20/2011 - 17:15 Permalink
BrianLee (not verified)

Per FDCPA burden of proof lies on the debtor! the CA has proof of debt in documentation provided to them by the lendor all the time. You have to show them it wasn't you and you don't owe within 30 days. Not the other way around. They justy have to show and explain the debt claimed! Federal guidelines over ride your state!

Wed, 11/02/2011 - 14:54 Permalink
BrianLee (not verified)

Fact is that most of the complaints I see in these forums are people that DO owe the bill and just don't want to pay it. Any CA is just doing a job and trying to make a living. Simple fact is if you owe it work it out and mostly you can wheel and deal and settle to pay less than you owed. If it really isnt your bill then show them where your id was stolen or that they have incorrect information about you and move on with life of paying bills that you do owe!

Wed, 11/02/2011 - 14:59 Permalink
LJG (not verified)

I have found out that this company is not licensed in Ohio and I do have a payday loan that was turned over to them but what options do I have as far as payment arrangements. Thay are very very nasty

Wed, 04/03/2013 - 19:43 Permalink
Gerry Whitfield (not verified)

If the collection agency is not licensed in your state, then you don't have to make payment arrangements with them. Who is the payday loan lender?

Thu, 04/04/2013 - 04:03 Permalink
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Thu, 08/15/2019 - 00:26 Permalink
spanishwomenbpo (not verified)

myspace is blowing it

While waiting for my coffee to brew this morning, I checked my fb News Feed on my iPhone. But instead of amusing updates from acquaintances, In just just a few flicks of my thumb, I was bombarded by not one, certainly not two, But three different advertisements for online dating services. I know she's just an advertisement. But I'm still terrified of that woman. I have nightmares getting crushed by her mammary glands, pushed to death like a boa constrictor kills a wild pig. merchandise online, a couple of years later, soon (and uncoincidentally) immediately Facebook's IPO, She occupied my News Feed. as soon as, I dutifully manifested itself "Hide this ad" moreover "mask all, Albeit this time if we do less faith in the honorable intentions of Facebook's ad targeting algorithms.

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Wed, 08/21/2019 - 21:09 Permalink
moldovawomentgj (not verified)

After internet dating in three countries

/r/OkCupid is moderated for superiority, Which means submissions or comments that provide little to no value if education, argument, Or pleasure may be removed at the moderators discretion.

become a Redditorand join one of thousands of communities.35

That American adult dating sites (not less than okc and pof) Are the only ones where nearly every profile is attempting to be the most witty, Sardonic, life, And silver tongued on the website. Everyone has been to Machu Picchu many times, And in case you haven you ain shit. Everyone has an endless list of bands and movies that you not cool enough to understand. complete thing,entire to "Explore this town, Some redditor profile here starts off with her penchance for piratey actions, Boarding individuals, And summary executions: adorable, But trying way too hard.

but in Asia, Nobody does that shit. You say types of person you are, something you do, genital herpes into, moldova ladies And what you seeking for. Very truthful.

for some, You better have an opening line comparable to Shelley or Byron or you ain getting shit. a fairly easy "Nice to setup an interview, I anyone" Will get your ass laughed on vacation like Pat Bateman trying to reserve a table at Dorsia in an hour.

u. s women, 99% of the time will not approach you online unless you have the hippest most indie profile. I had a great answer rate on okc, But only ever received one freely given message that led to a date. American women act not the same offline, conversely.

but also from Asia, Women online are typically quite aggressive in their approach. equally, the actual "Hey my name is blah, Nice to setup a meeting, Blah blah blah" Is very most suitable.

Have any of y that have lived in other countries noticed any difference in the online dating scene?Haven you noticed how remarks web based are often clever, humorous, etcetera, People sit behind their computer for long periods of time coming up with great responses to discussions, worries, for example.

Now compare by purchasing real life. many people are not that quick witted. genuinely, I would say the average joe is actually pretty stupid, reluctant witted, And nada clever. If OKC profiles composed of what people had to think of right on the spot, most women be lame, humdrum, and, Like you mentioned. in fact, everybody wants to prove how hilariously witty they are, So they these involved profiles that in no way resemble them. I been on a few dates from OKC and almost never is the person as I expected them to be, Based off of what they wrote. Very realistic.

If this taken place, Every collection, Among the subset I am fascinated about, Would be the exact, Every message from that subset would be still the same, And we would all be selecting merely on physical appeal amongst myriad similar profiles. or simply I only want to date girls named "Hannah" and can select by that.

it looks, Judging by these activities and interests we define ourselves by and seek compatibility through, We are the same on the level that a profile can dig to. that is certainly why superficial profiles that use descriptive cliches, Per OP choice, Fail so faithfully. All that witty diction and personal passions the OP is trying to degrade is where our puzzle pieces are really shaped and fitted. We are all snowflakes once you include that.

correct now, usually the "I a snowflake seeing that I did X, Unlike all you sheep, verse, that is why, That is misguided and laughable. Uniqueness for uniqueness sake is a reasonably modern invention, And not too valid for art or people, unneeded.

Thu, 10/10/2019 - 21:31 Permalink
James Mcneil (not verified)

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Fri, 10/11/2019 - 20:31 Permalink
Keithmit (not verified)

advice in regard to copulation via days

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Fri, 10/25/2019 - 08:48 Permalink
Williamnet (not verified)

making a Spanish Hand Fan

in older days, Intricately designed hand fans were one of the most popular finishing touches for women. Most women would never be caught dead without it since it induced a look full of meaning. you bet, Hand fans were used to imply a selection of cultural innuendos with a simple wave, Flutter, Or gesture. currently, Spanish hand fans have become novelty accessories normally used correspond an outfit or costume, Or used for a common workable reason, To beat the warmth. A typical Spanish fan is beautifully made with intricately woven spain girls lace coupled with a flower such as a rose at its center or in between the folds. in this time, You will learn how to recreate this wonderful design and enjoy the cool breeze because of the use of a Spanish hand fan.

make the cut. in depth project, you absolutely need a sheet of vellum or poster board. Pick a color that will match your outfit or pick one that will work for you. upon having the primary material for the fan, it could be time to start cutting it out. for the most part, you first need the material to be cut to a precise dimension of 22 by 8.5 in in,ins. If the pad is too small for these dimensions, think about using two and attaching each of them together with tape to form the specified dimension.

Start flip-style. Once the poster board or vellum has been cut competently, now time to start creating the folds for the fun. What it is best to happen is fold it so that it looks like an accordion. This will allow to open up the fan wide and close it down to a stick like form. Each fold should be 1 inch in width single in spanish and ought to be done on alternate faces of the board in order to emulate an accordion. Start with the initial fold then turn the board over to fold the next one succeeding web site. greatest fold and turn again. keep at it until you completely fold every inch of the board.

Lace it. Now that the folds and creases of the fan have been finished, the time is right to design the fan. Grab your lace and measure it up on your fan, techniques part to be precise. Cut the lace to prerequisites. Once commonly done, Apply beads of glue to the top tips of the board exactly where the lace will go. Position the lace on those tips and press it firmly into the adhesive filled tips for it to stay. Let the glue dry a bit and start trimming the extra lace left.

Thu, 01/09/2020 - 03:06 Permalink
Joshualeazy (not verified)

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Tue, 01/14/2020 - 11:53 Permalink
Mila Henry (not verified)

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Wed, 01/15/2020 - 20:42 Permalink
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Mon, 01/20/2020 - 21:36 Permalink
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Mon, 01/20/2020 - 21:36 Permalink
Austin Benedict (not verified)

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Mon, 01/20/2020 - 21:36 Permalink
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Thu, 01/23/2020 - 03:11 Permalink
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Sun, 01/26/2020 - 22:25 Permalink