Monterrey Collections

[ALL72569]

I got in a car accident in July of 02.I retained an attorney and proceeded to go to a chiropractor for about three months.I recieved a small settlement and assumed the chiro was paid.Low and behold I find a collection on my credit last month for 5000$!! I called and the CA says the chiro was never paid.I phoned the attorney and they forwarded me a letter that I did sign(without reading to well) stating that my settlement may have contained up to a 1000$ of monies owed to any doctors.Meantime the original doctor has filed bankruptcy and closed shop,there is no way of contacting him.The ca has dated me from 03/2005,and the accident occured in 07/02! I dont know what to do?

[Why Chat]

I got in a car accident in July of 02.I retained an attorney and proceeded to go to a chiropractor for about three months.I recieved a small settlement and assumed the chiro was paid.Low and behold I find a collection on my credit last month for 5000$!! I called and the CA says the chiro was never paid.I phoned the attorney and they forwarded me a letter that I did sign(without reading to well) stating that my settlement may have contained up to a 1000$ of monies owed to any doctors.Meantime the original doctor has filed bankruptcy and closed shop,there is no way of contacting him.The ca has dated me from 03/2005,and the accident occured in 07/02! I dont know what to do?

You are being scammed by a "garbage" CA.

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Send the reporting CRA's the following letter:

You dispute medical accounts this way:

 

Dear CRA,

 

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

 

I am sending this dispute certified mail # xxxx to make sure you receive it.

 

I have no knowledge or records of account # xxxxx on my report # xxxxx.

 

Please advise me as to the name and address of the medical provider, the date and type of service,

and to whom the service was provided.

 

If you can obtain this information, I also would need the name of the person providing this data,

and the manner in which it was provided in order that I may pursue further legal options .

 

Very truly yours,

 

xxxxxx

Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).

 

DO NOT send it RR

 

Send the CA a DV/ C & D /Dispute letter: here is the one from my website.

 

COLLECTION AGENCY VALIDATION/DISPUTE/CEASE AND DESIST

Use this IN IT'S ENTIRETY. DO NOT call them .

Use this letter and the included form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail return receipt requested.

Your Name

123 Your Street Address

 

Your City, ST 01234

 

 

ABC Collections

 

123 NotOnYourLife Ave

 

Chicago, IL

 

Date: _________ CRRR#____________

 

Re: Acct # XXXX-XXXX-XXXX-XXXX

 

To Whom It May Concern:

 

This letter is being sent to you in response to your attached letter.

(If you have nothing in writing use the phrase "recent communication)

 

This is not a refusal to pay, but a notice that your claim is disputed.

 

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

 

Your legal staff will agree that compliance with this request is required under the laws of (State name) and Federal Statutes.

 

In addition to the questionnaire below, please attach copies of:

 

Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

 

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

 

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .

 

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,

 

Your Name(PRINT OR TYPE DO NOT SIGN)

-------------------------------------------

Debt Validation Form

Questionnaire to be returned :

Account #: ____________________

Original Creditor's Name: _________________________________

Name of Debtor: ______________________________________

Address of Debtor: ___________________________________

Balance of Account: __________________________________

Date you acquired this debt: _________________________

This Debt was: assigned ___purchased___

Please indicated any credit bureaus to which you have reported on this account:

Experian ______

Equifax ______

TransUnion _____

 

Even IF this were a legitimate collection, you are almost past the 4 year SOL where it would be enforceable.

You should also file a complaint with the FTC and your State AG office .

Edited February 19, 2006 by Why Chat