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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
  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. T
  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
  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 Stat
  8. 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 FAI
  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
  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. 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. 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
  13. 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
  14. 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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