ca refuse to validate debt unless i have an attorney

[ihatecollections]

one of the fantastic debt collectors of the world i mean jdbs has told me that they will not validate the debt for me, unless i seek legal counsel becasue i did not respond to there written notice which i truly never received.

[breeze]

BS - that doesn't matter. Don't talk to them on the phone. They will tell you anything.

[ihatecollections]

BS - that doesn't matter. Don't talk to them on the phone. They will tell you anything.

 

 

i had em scared lol so what would you recommend

[ICANHASMUNY?]

one of the fantastic debt collectors of the world i mean jdbs has told me that they will not validate the debt for me, unless i seek legal counsel becasue i did not respond to there written notice which i truly never received.

 

file a complaint with the BBB and the FTC.

 

 

what does your state law cover?

 

in AZ you can send them a DV request anytime, and they have to stop until they validate - none of this 30 day crap.

[Sandscrit]

Do you have any proof ?

[Analysis]

Signs like a phone conversation with an salamander collections agent.

 

What state do you live in?

 

How long since you've made a payment to the account?

[ihatecollections]

Signs like a phone conversation with an salamander collections agent.

 

What state do you live in?

 

How long since you've made a payment to the account?

 

 

state is CO, sol is 5 years, it has been 5.7 years.

[ihatecollections]

one of the fantastic debt collectors of the world i mean jdbs has told me that they will not validate the debt for me, unless i seek legal counsel becasue i did not respond to there written notice which i truly never received.

 

file a complaint with the BBB and the FTC.

 

 

what does your state law cover?

 

in AZ you can send them a DV request anytime, and they have to stop until they validate - none of this 30 day crap.

 

did that they didnt respond to any of them. I tried to re do a BBB and they wont submit it due to them not responding to the first one.

[Sandscrit]

The burden of proof is on the jdb. Tell them to shove it with a FOAD letter.

[ihatecollections]

i was thinking of sending a letter to the cras with my correspondece to the bbb and this jdb and ask them to delete it due to them not being able to verify the debt.

[ICANHASMUNY?]

file a complaint with the State AG

 

http://www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_cab/cab

 

 

statae that you never recieved the first notice - they mailed to the wrong address.

 

now they won't respond to your requests.

[Analysis]

Signs like a phone conversation with an salamander collections agent.

 

What state do you live in?

 

How long since you've made a payment to the account?

 

state is CO, sol is 5 years, it has been 5.7 years.

 

Colorado SOL for a credit card is three (3) years. If you live in Colorado this debt has been legally uncollectible for almost three years now....

[ihatecollections]

Signs like a phone conversation with an salamander collections agent.

 

What state do you live in?

 

How long since you've made a payment to the account?

 

state is CO, sol is 5 years, it has been 5.7 years.

 

Colorado SOL for a credit card is three (3) years. If you live in Colorado this debt has been legally uncollectible for almost three years now....

 

yes i know but they refuse to delete it from my account.

[deansreturned]

You mean they refuse to delete it from your credit report?

 

If possible I would contact an attorney or take the time to do the appropriate research, preferably an attorney if you have the wherewithal. I guess if one wanted to be "technical" they can "collect" on the account, but in terms of legal recourse there is nothing they can do if the debt is outside of the statute of limitations (wage garnishment, liens, etc.)

 

Collectors are professionals at trying to mess with your head/threaten/manipulate you into paying them (As you can imagine especially the ones who are calling you.)

 

If they "don't want to prove it without speaking with your attorney" that is basically translation for "We know we can't do sh*t in terms of collecting on this debt, but we are going to be a pain about it because we are assuming you are ignorant to the law. If you have an attorney we really know that you know we can't do sh*t."

 

Collection agencies (especially junk debt buyers) DEPEND ON IGNORANCE! DON"T let them fool you.

[ihatecollections]

yes they are a pos there was a reson i called, the ags have got no response the bb no response myself no response, just keep sending statements to me saying you qualify for 20 percent off. blah blah blah. i have 4 baddies left and they are the biggest pains in the butt. im sitting at a low 600 score right now, and if i can get these negatives off i will be in great shape.

[gsxraddict]

resend them a debt validation letter via certified mail rrr.

 

dispute with credit bureau 2 days after you mail it, if they verify the debt with them then send them an intent to sue letter.

 

and sue them.