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moneymonkey

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  1. Hey all, Quick question, I got a service company and they screwed up never billed me right and send it to CA. Neither the CA or OC know much anything about me, which got me wondering. What is the absolute minimum information the CRAs require when posting a collection anyway?
  2. Maybe something like this: ************** CORE COLLECT 871 POMPTON AVE # A1 CEDAR GROVE, NJ 07009 Re: Account # XXXXXXXXX CORE COLLECT, This letter sent to you on September 2nd, 2010 via certified mail with a return receipt is my demand for full legal and complete validation of your claim. As I am a Texas resident, I make these demands per Chapter 392 of the Texas Finance Code. Debt collection attempts for Texas residents requires an active bond per Texas Finance Code. The Texas Attorney General has been copied to notify them of your practices which violate TFC statues as you do not have an active bond. If you are unable to provide written validation within 30 days from the receipt of this letter or you require more than 30 days time to provide validation, then you must cease all collection efforts, remove this and all tradelines from any credit bureau reported to and will also delete and close this file with your agency. In addition, please make all communications regarding this matter to me in writing as it is inconvenient to contact me by any other method. Sincerely, me
  3. FINALLY. TFC Worked - CA#1 CA decided to give up after many talks with bond holder, and emailing the Texas AG, and FTC. They said my account is deleted in their office and returned to OC.. FYI - The bondholder says there are 14+ others filing for this CA's single 10,000 bond and if we win it is shared amongst us all? I assume that since they have removed the item from CB's (2/3 at least ) I am no longer able to claim my part of damages from bond? ***************** CA#2 - Last hit on credit. EX reporting a paid collection (which was not paid) from a CA in NJ. The CA does NOT have an active bond in TX - per https://direct.sos.state.tx.us/debtcollectors/DCSearch.asp So... If I know the bond is not any good how should I handle this one? Principal Name: Core Collection Company Inc # 1 Address: 3111 Route 38 Suite 11-287 Mt. Laurel, NJ 08054- File Number: 20030222 Status: Canceled Close File Date Filed: 12/16/2003 Cancellation Date: 3/17/2005 Phone: Bonding Company: Farmington Casualty Company Bond No: 00104156018
  4. don't send it unless you mean it. Would you mind posting your ITS letter, or an outline.. in my case CA failed to validate in 30days, I mailed/called bond holder but am stuck.. Thank you!
  5. I mailed a letter to the Bond holder earlier this year where the CA was unable to provide proper validation within 30 calendar days. The CA failed to validate both DV letters sent CMRR earlier this year. Last week the BondHolder called me to figure out what I wanted done with this. My letter stated that I wanted them to avoid pursuing the bond (so they were waiting for me I guess). Anyway I explained the situation to the Bond Holder and she asked me to provide my damages Reason put claim on bond = 1. Get this crap off CR's Bond amount = $10,000 My Damages = The cost of much higher interest rates I will pay on 2 mortgages I am trying to refi right now. (working on this number), anything else I should claim as damages? This debt is from 2003 or 2004, well outside the SOL for my state. ********** Questions: 1. Should I even be talking to the Bondholder, whose side is he really on anyway? (Also there are multiple claims against this bond and appearantly the $10,00 is for all claims. So if 3 of us win a claim against it we split it? 2. Is this worth the effort, does this go to court or just decided at the bonding office? 3. The CA is sending the Bond holder some kind of proof they validated the debt (how is that possible, all the crap they sent me *Which was outside of 30 days* was not CMRR so they have no proof of when they sent anything?) Thanks all!
  6. You also do not even indicate whether they are reporting. If they are not reporting, then the obligations are even less onerous for the third-party entity. If they are reporting, then you need to outline that a specific modification was requested, whether that modification occurred...you also need to illustrate WHY the material provided thus far does not resolve the dispute. Thanks for the reply, will update you all with the results when they come in.
  7. Thought I would post in this thread too, since it is texas related. DV'd a Texas CA twice (1st reply was not proper validation) they did not even reply to the 2nd DV letter which asked for the Bond holder/etc. This alleged debt is also outside the Texas SOL for litigation(4yrs). So I am moving forward and writing a letter to the Bond Holder (CMRR) and the CA (regular mail?) as below: BONDING COMPANY ADDRESS Bond # ####### To Whom it may concern: Please find the enclosed copy of the letters sent to TEXAS_BASED_CA, in Dallas, TX. The Texas Secretary of State has indicated that your offices provide the coverage in the form of a surety bond that is required under the relevant under chapter 392.202 of the Texas Finance Code. Notice is being afforded to your offices so that you may be aware of a potential claim against the bond should further actions be required to resolve this matter. The enclosed materials will provide you with a synopsis of the issue. TEXAS_BASED_CA is attempting to collect on an alleged debt which they have failed to validate per state law. Despite my having exercised my rights under the Texas Finance Code, TEXAS_BASED_CA has opted to disregard relevant portions of the statute and failed to meet the requirements set forth in the Texas Finance Code, in fact they have failed to respond to my written communications. As you will see I have sent my communications via certified mail with return receipt to ensure they received my letters, those details are listed below as well. TEXAS_BASED_CA violations as of April 10th 2010 1. TEXAS_BASED_CA has failed to validate the alleged debt as required by per Chapter 392.202 of the Texas Finance Code. 2. TEXAS_BASED_CA has not complied with the cease and desist letters sent on January 13th 2010, February 10th 2010, March 5th 2010. 3. TEXAS_BASED_CA is operating from an address not listed on the bond 4. TEXAS_BASED_CA has attempting to collect a debt outside the statutes of limitations. Certified mail received by TEXAS_BASED_CA: USPS Certified Mail Receipt Number: #### #### #### #### #### USPS Certified Mail Receipt Number: #### #### #### #### #### As your staff is very likely aware, Texas law provides that a claim may be made against the bond. I am requesting information from your company on making a claim against their bond should I need to pursue additional actions against TEXAS_BASED_CA. Since TEXAS_BASED_CA is already in violation of the Texas Finance Code as outlined in my attached letter(s), I am within my rights to file a claim at any time against them. I am certainly amenable to discussions pertaining to settlement in the event that your company opts to intervene on behalf of your client. If you should have any questions, please do not hesitate to contact me at the address reflected below Sincerely, My Name/Address
  8. moneymonkey

    Not sure if I want to DV?

    Ok, we are past 30 days the CA did not even reply to the 2nd DV letter which asked for the Bond holder/etc. The 1st letter did not provide validation. This alleged debt is also outside the Texas SOL. So I am moving forward and writing a letter to the Bond Holder (CC: the CA), thinking of including the following basics: 1. The CA you Bond is attempting to collect a debt outside Texas SOL for litigation 2. The CA you bond is operating from an address not listed on the Bond 3. The CA you bond has not complied with the C&D letter sent on X, and X, and X 4. The CA you bond FAILED to validate an alleged debt as required by TFC ## blah blah.
  9. Is this on your credit reports?? Is it on your wife's credit reports?? If so, opt out ( on both reports) http://whychat.5u.com/OPTOUTINST.HTML If you have moved, try to get old addresses deleted. Send each CRA where ANY medical accounts are reporting this:(list up to 4 medical accounts) http://whychat.5u.com/hipaadisp.html Post back here on this thread with your results. So the OC is a "dental facility" I would assume that counts as a "Medical Account" and still qualifies for HIPPA process. Is this on your credit reports?? - YES (2 CRA's I managed to get it off EQ with a few dispute letters). Is it on your wife's credit reports?? - Probably not, Not focusing on her credit right now as we use it for nothing but will check. Forgot - I Opted out when I joined CB years ago. All old addresses are gone too THX.
  10. Hey all, Trying to determine my best course. Sent a DV to CA (we are both in TX) CMRR, they replied with some medical billing data for BOTH myself and my wife. So I would think that is a HIPPA violation. Also the whole thing is outside SOL, trying to figure out how to handle this one.
  11. moneymonkey

    Not sure if I want to DV?

    Seems like the letters from ITHappened to the bondholder for CA are what I need. I have never contacted a bond holder so want to be sure before sending anything like this. http://creditboards.com/forums/index.php?s...p;#entry4090837
  12. moneymonkey

    Not sure if I want to DV?

    Ok, DV's with CMRR and this week I rcvd a page stating: OC ACCT# Customer# Amount Due# and several pages of medical records with associated amounts from 2003 - 2005. The amount requested is something insurance was to pay and did not apparently back in 2004!! The Texas SOL is 4 years and we are both in TX, am I done?? Not sure what to reply with here.. I was thinking of sending a 2nd DV letter CMRR back to CA with the following demands: 1. Explain and show me how you calculated what you say I owe 2. Prove the Statute of Limitations has not expired on this account What you guys think?
  13. moneymonkey

    Not sure if I want to DV?

    Cool, did not modify this love letter much here is what I plan on using: September 2, 2009 Pr0C0llect 12170 ABR.... STE 10.. DALLAS, TX 75243 Re: Placement ID ------------ Dear Pr0collect This letter sent to you on March 10, 2010 via certified mail with a return receipt is my demand for full legal and complete validation of your claim. As I am a Texas resident, I make these demands per Chapter 392.202 of the Texas Finance Code. If you are unable to provide written validation within 30 days from the receipt of this letter or you require more than 30 days time to provide validation, then you must cease all collection efforts, remove this and all tradelines from any credit bureau reported to and will also delete and close this file with your agency. I would also like to request the name and address of the original creditor. In addition, please make all communications regarding this matter to me in writing as it is inconvenient to contact me by any other method. Sincerely, My name My Address
  14. moneymonkey

    Not sure if I want to DV?

    Thanks, that was a nice long thread on TX will give it a shot.
  15. How did that letter work out for ya, I am in TX with a CA in TX too.

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