2 replies to this topic

[Mr. Validation]

I sent validation letters to a collection agency (Automated Collection Services) and they failed to provide proof of my signature (signature not mine) and they gave me a copy of their EXPIRED business license. Their license is from 01-01-2002 to 12-31-2002. It's now mid February of 2003. Is this a violation of the Federal Credit Laws? Is so, can anyone direct me to opinions or any other relevant info that I can use against them.

Thanks!!

[breeze]

LOL, this particular thing hasn't come up before. Don't know of any opinions, etc. Have you trid calling the state licensing authority, to see what effect this might have on their ability to do business in your state?

[MakeItSo]

Not sure if this helps. But I ctc'd the sec of state for my state in and they referred me to the banking div that handles licensing issues. After a long drawn out investigation by the banking div, it was determined that the "company" (even though it was a collection agency) was not required to be licensed in my state as long as they purchased debts outright, rather than simply collecting on behalf of another. This finding meant they were exempt from being required to have a license.

just a little fyi...