An attorneys office sent me a communiqu¨¦ (to my mothers home) for a junk debt buyer. It stated that I have 30 days to request validation. failure to do so designed I acknowledged the debt to be mine.
My mother sent me the letter and it be way olden the 30 days to respond. I didn't know what to do, so I did nothing at adjectives since it was sent to the wrong address anyway.
Yesterday, I received a phone beckon at my home from the attorneys office that sent the memorandum to my mothers house.
I did not answer and they did not leave a message.
The single old debt I have was a medical bill from when I be a stupid kid that has already come stale my credit report.
The letter said that I owe money to a portfolio company and does not state who the unproved debt was owed to.
What am I supposed to do? And what can they do to me? Thank you for taking the time to respond and support.
Answers: The Fair Debt Collection Practices Act http://www.ftc.gov/bcp/edu/pubs/consumer... *specifically* says that flop to dispute the debt doesn't mean that you acknowledge the debt. Any claims to the contrary is a defilement of the FDCPA.
Dispute the debt and request validation. Write in your dispatch, "I dispute this debt and request validation."
Also, it is possible that the Statute of Limitations on the debt has expired. What state are you within? If the SOL has expired, not a soul can legally collect the debt. Do a google furrow on: statute of limitations (your state) and then look for the time time for either written contract or overt account. The SOL begin to run when the last return was made or the side went into evasion, which ever is later.
I own dealt near a similar portfolio company. They try to collect on debts that are over 7 years old and rightfully off your credit report. Do NOT take-home pay them. Tell them to tell you what the debt is almost. If they tell you that it is over 7 years prehistoric you tell them that it is reasonably taken off your credit report that they by directive can not force you to pay it and they can NOT put it pay for on your credit report. You can also threaten them with a advocate that should take consideration of it. It did for me. If not get an attorney and sue them for false debit collection. If they enlighten you that they are an attorney you can also give them this information
convey them : Do you know it is illegal for a debit collector to portray them selves as an attorney I guarantee they will droop up
GOOD LUCK
Well first off, if their notification said that after 30 days you acknowledged the debt to be yours, that would be a violation of the FDCPA for misrepresenting the statute and legal status of a debt. The FDCPA simply states that if you don't request validation inwardly 30 days they can ASSUME the debt is valid and continue next to collection attempts. In fact, the FDCPA explicitly states that dud to dispute the debt within 30 days cannot be view as acknowledgement of the debt.
Personally I'd fire off a constraint to validate memorandum stating they are sending the letters to an incorrect address and it be finally forwarded to you.
Watch your credit reports closely in bag these jokers try to post something on in that, and don't let them bully you.
Feel free to contact me if you obligation any help.
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My mother sent me the letter and it be way olden the 30 days to respond. I didn't know what to do, so I did nothing at adjectives since it was sent to the wrong address anyway.
Yesterday, I received a phone beckon at my home from the attorneys office that sent the memorandum to my mothers house.
I did not answer and they did not leave a message.
The single old debt I have was a medical bill from when I be a stupid kid that has already come stale my credit report.
The letter said that I owe money to a portfolio company and does not state who the unproved debt was owed to.
What am I supposed to do? And what can they do to me? Thank you for taking the time to respond and support.
When getting a sports car loan, is the DTI (debt to income) ratio substantial?
Answers: The Fair Debt Collection Practices Act http://www.ftc.gov/bcp/edu/pubs/consumer... *specifically* says that flop to dispute the debt doesn't mean that you acknowledge the debt. Any claims to the contrary is a defilement of the FDCPA.
Dispute the debt and request validation. Write in your dispatch, "I dispute this debt and request validation."
Also, it is possible that the Statute of Limitations on the debt has expired. What state are you within? If the SOL has expired, not a soul can legally collect the debt. Do a google furrow on: statute of limitations (your state) and then look for the time time for either written contract or overt account. The SOL begin to run when the last return was made or the side went into evasion, which ever is later.
Bankrupt. if you are declared in debt can you deal in your own house since its taken from you?
I own dealt near a similar portfolio company. They try to collect on debts that are over 7 years old and rightfully off your credit report. Do NOT take-home pay them. Tell them to tell you what the debt is almost. If they tell you that it is over 7 years prehistoric you tell them that it is reasonably taken off your credit report that they by directive can not force you to pay it and they can NOT put it pay for on your credit report. You can also threaten them with a advocate that should take consideration of it. It did for me. If not get an attorney and sue them for false debit collection. If they enlighten you that they are an attorney you can also give them this information
convey them : Do you know it is illegal for a debit collector to portray them selves as an attorney I guarantee they will droop up
GOOD LUCK
Well first off, if their notification said that after 30 days you acknowledged the debt to be yours, that would be a violation of the FDCPA for misrepresenting the statute and legal status of a debt. The FDCPA simply states that if you don't request validation inwardly 30 days they can ASSUME the debt is valid and continue next to collection attempts. In fact, the FDCPA explicitly states that dud to dispute the debt within 30 days cannot be view as acknowledgement of the debt.
Personally I'd fire off a constraint to validate memorandum stating they are sending the letters to an incorrect address and it be finally forwarded to you.
Watch your credit reports closely in bag these jokers try to post something on in that, and don't let them bully you.
Feel free to contact me if you obligation any help.
Resolved Questions: