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2farndebt

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  1. No calls, but just today I got a verification letter. They list the owed amount as $1012.09, the verification they sent was just a statement of account from the hospital and the amount on that is $989.31 (which matches my records). Additionally, they stated: "Regarding your demand for verification including original signed contracts, copies of state licenses, our agreement with the original creditor listed on the account(s), etc., there is no basis in law to substantiate your right to such information from our company and as such, we respectfully deny your request. Please be advised th
  2. OK. I sent the letter you linked on May 11, 2015. It's now June 27 and I've gotten no reply of any kind. Additionally, on May 16, I sent a payment to the OC, with a letter directing the payment go to the December 2014 of service and a request for an updated balance on that date of service. Check was cashed, I just got the monthly statement for current charges and the only balance listed is for dates of service in February/March of 2015. Not a peep from either the OC or their flunky CA. What now? Not exactly comfortable continuing to send them money since they aren't accounting for it, even t
  3. Thanks for the start Why Chat. I opted out again. I checked my CR and nothing is reporting yet. I just have the dunning from the CA and as of today, the CA started calling me. The March bill definitely came from the billing dept and is for co-payment amounts above and beyond the deductible, but below the individual and family maximum out of pocket amount. I haven't gotten any ackowledgement from the hospital on the $150 I sent in response to the March bill, (no new statement reflecting the new account balance), but they did cash the check just after I got the dunning letter from their CA. I'm
  4. Son had surgery in December. Initial co-pay bill was $1300, which, of course I wasn't going to pay since I knew my insurance would most likely adjust that amount. They sent a bill in February, with no explanation on adjustments, for $1200. I couldn't pay in February, got another bill in March requesting $81 towards the $1200 so near the end of March, I sent $150 to start paying on the thing. A day or two before the hospital cashed my check, I got a dunning letter from the hospitals CA with the full $1200 balance on it. I've never dealt with medical collections before. I worked my hiney off
  5. Thanks so much for the help on this. I did the complaint and got a reply a couple days ago from the company attorney. Basically it was: Oops. Sorry. Our bad. We won't contact you again at all. Ever. They said they returned the account to the OC. Which... Weird because the oc said back in June that they sold it to the jdb. But, what do I know? I printed off the c&d letter, but kept putting off the trip to the post office. Hopefully that won't bite me. At any rate, as always, excellent advice even though I was a slacker, just couldn't pull my act together on this one, the last i
  6. Do I take out the first section of text as you have or leave it?
  7. Thanks for clarifying. I'm feeling much more confident about the situation. I also dug up a little tidbit in the CO FDCPA that requires the CA to include a statement directing the consumer to the CO FDCPA website in the initial contact. So I believe that is also a violation and something I can do a complaint on with the AG's office. So here's my cease communication letter. Look OK? 2farndebt My Address My STATE Date URS Their Address Their State RE: Acct # Dear JDB, I am in receipt of your communication dated July 16, 2014. You sent this communication to an old add
  8. Hey, reading through the FDCPA for CO and in the section governing legal action, it says they can only sue where the consumer signed the contract (TX) or where the consumer resides at the "commencement of the action". So is collection activity considered legal action, or is it not legal action until someone files suit? If memory serves, that language is also in the regular FDCPA?
  9. I did some digging on my own and found the Colorado website for consumer protection. They have a list of licensees and apparently the CA does have an active license here, they just didn't offer that information when I asked for it. So, no AG complaint yet and can't say they aren't licensed here... Do I still file a complaint with CFBP for sending to the old address and continuing to call? Do I still send the cease all contact letter since they are licensed here? Sorry I didn't find the website earlier. I'd only seen a summary of collection rules for this State before finding the original sourc
  10. Original State: Texas 2007 Interim State: Wyoming 2010 to last month Current State: Colorado so you already have your mortgage, it's out of SOL in CO, but you just moved there..... go ahead, send the JDB a DV and dispute; tell them that all calls are inconvenient ; give them some reason ( sleeping co hab's, work hours, etc. ) state that your employer prohibits calls at work send the CFPB DV - need more information letter. http://www.consumerfinance.gov/blog/debtcollection/ OK. So I did this, changed up parts, but definitely asked for no calls since my hub is
  11. Original State: Texas 2007 Interim State: Wyoming 2010 to last month Current State: Colorado so you already have your mortgage, it's out of SOL in CO, but you just moved there..... go ahead, send the JDB a DV and dispute; tell them that all calls are inconvenient ; give them some reason ( sleeping co hab's, work hours, etc. ) state that your employer prohibits calls at work send the CFPB DV - need more information letter. http://www.consumerfinance.gov/blog/debtcollection/ Thank you. That is a much better template than others I've seen.
  12. I guess I'm confused then. I was trying to go for a DV and limited C&D....just in case they tried to long arm it. They don't have my new address yet. This popped up because we just got a mortgage. I was going to try and settle it with the OC (FMC) but since their solution was to sell it to a JDB....yeah. No. It's a long story with them. Bottom line is they really did me dirty and selling it to a JDB is the last in a long string of broken promises. I thought telling them no communication other than USPS was a limited C&D...so please educate me?
  13. Original State: Texas 2007 Interim State: Wyoming 2010 to last month Current State: Colorado
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