$141.00 collection fee and interest

[ICANHASMUNY?]

So, Value Recovery Holdings out of Ohio is trying to collect interest and collection fees on $0.00 tax.

 

No kidding

 

Attached are breakdowns of amounts our records indicate remain due and owing to the state of Ohio;

 

please make your certified check or money order payable to, etc.......

 

we are attempting to collect and debt and any information obtained will be used for that purpose.

 

Breakdown

 

Tax........................................ $0.00

Penalty................................... $0.00

Assessment interest............... $0.00

Certified Interest.....................$0.00

Additional Charge....................$0.00

Additional Penalty....................$0.00

Collection cost 1 ..... ............. $0.00

Collection cost 2...... ...............$71.57

addtional AGO interest............$69.24

$141.81

So I don't owe any tax, just their fees.

 

First off, I've never ever heard from these guys before, so HITH did they ever obtain the right to a fee?

 

The FDCPA doesn't cover agencies hired by the state to do tax collection, does it.....?

Edited February 9, 2010 by ICANHASMUNY?

[crow]

Was this statement provided as part of a dispute you initiated? What kind of debt is this?

[cocomad]

The mini miranda implies they are debt collectors; if so I would DV with a limited CD, CMRR. Make them prove how you owe them this!!

[ICANHASMUNY?]

Was this statement provided as part of a dispute you initiated? What kind of debt is this?

 

no, this was the statement sent with a dunning letter; they have been hired by the state of ohio to collect back taxes.

 

but i paid all my back taxes for 2004, with penalties, and $180 in estimated collection fees and interest.

 

why am I being charged fees and interest again?

 

so they could review the account and realize I don't owe any taxes?

 

my DV goes like this; but without the FDCPA.(? )

 

 

 

First off, I've never ever heard from your firm before, so how did you ever obtain the right to a fee? It's not as though your firm has dunned me before, and I paid the tax, but not your fee.

 

In fact, I dispute this debt, the interest, your charges and what you claim is an “Itemized breakdown.:

Please explain in full the following charges;

 

Tax; $0.00

 

Penalty $0.00

 

Assessment interest $7.75

 

Collection cost 2; $ 71.37

 

AGO interest $69.24[

 

 

If I don't owe any tax, and I've never been contacted by your firm before, please explain at how your firm arrived at a collection fee, interest and assessment interest.

 

I filed my 2004 Ohio Tax return and paid all appropriate penalties; and have not heard back from the State of Ohio nor any other collection agency that I owe anything what so ever for 2004

 

[Please explain what "AGO interest" is, and exactly what "Assessment interest" is, what the % rates are for both, and what base amount of taxes you used to calculate the interest.

 

I dispute the amount shown , and ask you to investigate this according to Arizona Law.

 

Please advise your AZ collection Agency Licensing information; your firm must be licensed and bonded with the Arizona Department of Financial Institutions to collect debts from residents of Arizona whether associated with a business or consumer debt.

 

According to the information online, your firm is not registered.

 

Under Arizona law, a collection agency must provide :

 

1. The name of the creditor or the previous assignor.

 

2. The time and place of the creation of the debt

 

3. The merchandise, services or other things of value underlying the debt

 

4. The date when the account was turned over to the collection agency by the creditor.

 

The agency must also provide the debtor, upon request, with copies of any document relevant to the debt or its collection. The debtor also has the right of access to the collection agency's books and records regarding the debtor or the debt. The collection agency has a duty to investigate debt disputes if the debtor has a reasonable claim that s/he does not owe the debt.

 

 

In accordance with Arizona laws, please provide me with copies of any documents from that Ohio Department of Taxation that show in detail how the amount above was calculated. I dispute the amount shown on your letter, I do not believe I owe the amount shown. Please investigate this and request that the department of Taxation investigate their calculations.

 

Please advise me of your fees, and interest charges, if any. Arizona law limits interest charge by debt collection agencies to 10%.

 

(I did throw in the FCRA)

 

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. If you have not reported this debt, you are barred from reporting it until this dispute is resolved.

 

 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2.

 

Be advised that I am keeping accurate records of all correspondence from you and your company and do take this matter seriously.

Edited February 9, 2010 by ICANHASMUNY?

[ShadyCredit]

My mother received the same letter from the Arizona department of Revenue(I posted about it recently)stating she didn't owe any actual tax or back tax, but that she owed interest and fees on a balance of $0. Absolutely ridiculous if you ask me...

[ICANHASMUNY?]

talk about digging for gold in the desert..........

 

I realize that It's good fiscal sense to clean house and collect on old accounts that are due,

 

but as far as I know, It's been paid for 4 years with all the penalites and fees,

 

and this is the first I've heard that I owe anything else.

[crow]

The CA is acting on behalf of the treasury (Ohio Revised Code, sec. 5719.051), but they are also bound by the FDCPA (American Jobs Creation Act, sec. 881). Ask the CA exactly what "collection cost 2" and "additional AGO interest" are. Validation requires disambiguation and acronym expansion.

[GEORGE]

SPAM BY US MAIL???

[beli]

I'd file appropriate complaints with your state regulators.

I'd also find hire-ups at the CA if you can and contact them via CMRR asking to explain it.

This seems like a job for hire-ups anyway rather then 1st level CSR's that may read the letter.

 

Maybe it's Interest/Fees they had attached to it while they had it in house but never tried to collect till now? Or did you pay the IRS directly?

 

Have you checked ACA's website to see if the CA is a member there? That may be another avenue. Just checked, and they're not a member (no surprise)

 

Only thing I can think of as I said before, Oh sent it to the CA, but you ended up paying OH directly for the tax/pent. But by the time you paid OH, the Ca incurred interest (tho I don't see how they can occur interest on a debt that's already being incurred interest by the IRS)

Edited February 9, 2010 by beli

[fdj]

Is it possible when you paid, you paid only the taxes due and not the interest or collection amounts?

[ICANHASMUNY?]

I filed late for 2004, and paid past due taxes with estimated penalities, fees and interest.

 

5 years later they are stating I owe additional interest and fees on taxes I paid in 2005.

 

so the tax collector is now taking a page out of the credit card companies (old) book.....

 

scraping the bottom of the barrel.