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deepa

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  1. WISCONSIN Collection Agencies Frequently Asked Questions 1. Is a non-resident required to obtain a collection agency license? A non-resident is not required to obtain a collection agency license if that person conducts collection business with state residents solely by means of interstate telecommunications or interstate mail. If a non-resident physically enters Wisconsin to solicit accounts from creditors or to collect accounts, that person is required to obtain a Wisconsin collection agency license and have a Wisconsin office. 2. What collection practices are prohibited in Wisconsin? Prohibited collection practices for Wisconsin collection agencies are set forth in Wisconsin Administrative Code Bkg 74.14. Also, the Federal Fair Debt Collection Practices Act (FDCPA) sets forth specific prohibited debt collection practices. For more information about the FDCPA, please contact the regional office of the Federal Trade Commission. 3. Can a collection agency take legal action against a debtor in Wisconsin? The creditor rather than the collection agency takes legal action against the debtor
  2. DS, I hope you are doing well now. I just read your story and it would be nice if you could let us know how you are doing now. I wish you well...
  3. I was able to get into PM today at 9 am CST.
  4. You have to DV the CA. There is no way around it. If you don't do anything, the CA will be there for years. If you DV the CA and get them off, that will be a plus for you. It might be a little hard because based on what you said, it seems like the debt is fairly recent. Good luck!!
  5. Time and again people said on this thread said that they don't have anything against the mil. But people like the one who made the above comment just HAVE to attack!!! We all make our choices in life. When someone signs up for a service like above, they do that knowing PRECISLY what is in store for them. I would like to assume that they made that choice out of love and respect for the "country" (read, "fellow citizens"). Why then, do they have to belittle people, who just happened to make a different choice in life to make a living? Working hard to make a living is not in any way inferior to any other profession. If someone did it for the right reasons, they wouldn't get on the high horse (looking down on everyone else), the first opportunity they get!! Look at the comment and you can tell that the person who made the above comment is looking down upon every other person's profession. In plain terms, it is bigotry!! Respect is not something that can be demanded! It is earned and I do respect our soldiers!! PS: I don't have the USAA card. I was just following the thread.
  6. I think that pretty much sums it up what to do when accounts are within SOL. Go ahead with DV if you are willing to settle or go to court. If not, just bide your time until the accounts are out of SOL. My accounts are all within SOL for another two years. But I think I am going to attack the accounts one by one, based on the amounts, of course.
  7. I opted out a couple of weeks back. Just today, I sent out letters to CRA's to remove my old names and addresses. A law firm collecting a debt sent me a collection letter around 1-1/2 months back. I DV'd them within 30 days and they sent me a 3-year old statement. Just this week, I sent them a second letter, citing insufficient DV. I can't do 1-2 punch because they are not reporting to any CRAs yet. Let's see what they reply to my second DV...
  8. How much is the debt? Is it owned by a JDB? How many has it been through? OP: Sorry didn't mean to hijack the thread. There are mutiple CA accounts on the CRs right now for around $20,000 combined. And they have been through a lot of CAs since 2003. Should I try DV'ing them one at a time?
  9. I would like to know the best coarse of action too. I am kind of in the same boat. Should I wait for SOL to expire (another two years... )? Or start attacking them right now???
  10. I have been reading a lot and people seem to be divided on this topic. 1st approach: Some say you should blanket dispute with CRAs first and get the "low hanging fruit", just like the OP did. The con of this approach is, some say that CRAs might say "previouslly verified" on subsequent attempts to verify. 2nd approach:The other approach is to validate with CAs first. The advantages are 1-2 punch if DV'ing within 30 days or getting them on other violations if outside 30 days. (right??? ) The con in this approach is "waking the sleeping dog". So they say - don't do this within SOL. I am totally not sure about which is the better approach, if debt is within SOL and you want to clean up your credit, instead of waiting for SOL to expire. I hope I didn't confuse anybody. Deep
  11. Hi I realize that this post is more than two years old. But I recently got a collection letter from this firm. I sent them a DV and they came back with a photocopy of a three year old statement for "validation". Just today, I fired off my second DV (insufficient DV letter), which you all know what it says by now. OP, did you have to deal with them? Anyone else dealt with this firm? This is pretty much my first communication with a CA. Keeping my fingers crossed!!! Wish me luck, people!!
  12. Hi I need some input here. I am a brand 'new'bie here but I have spent most of my last few days here (even at work ) gaining info to take on the CAs on my CRs. This is my situation: I got a letter from a CA a couple of weeks ago and I sent a letter to them seeking DV within 30 days. Those were my pre-CB days. So I didn't know about the 1-2 punch. Anyway within a week, they sent me a copy of my credit card statement from July 2003. And the amount they are seeking now is around $800 more than what's on that 3-1/2 year old statement. With the knowledge I gained from CB in the past few days, I know I got them there. But my main concern is this: I noticed just today on my CR's is that they don't even have an entry in the credit accounts on any of my credit reports. They just have an inquiry on my experian CR (viewable only by me - that's a soft enquiry, right?) and nothing on the other two reports, which means I can't do the 1-2 punch. Are they just late in putting it on the CR? Or do you think they didn't report it to bureaus because if I seek DV, they can't prove it? BTW, they are debt collection attorneys. In my second letter, should I just say that what they provided is not sufficient validation and ask them not to report this to any of the bureaus in future? This is truly confusing me. I am ready to send my second letter in the next day or two. I would appreciate input from any of you!! I love CB. It gives new hope to people!! Deepa
  13. Hello everybody CB rocks!!!! I am a brand 'new'bie here but I have spent most of my last few days here (even at work ) gaining info to take on the CAs on my CRs. This is my situation: I got a letter from a CA a couple of weeks ago and I sent a letter to them seeking DV within 30 days. Those were my pre-CB days. So I didn't know about the 1-2 punch. Within a week, they sent me a copy of my credit card statement from July 2003. And the amount they are seeking now is around $800 more than what's on that 3-1/2 year old statement. With the knowledge I gained from CB in the past few days, I know I got them there. 1.) I can send a 2nd letter saying that it is just partial validation. I can also question how they ended up with the final amount (all the calculations). They got this collection account from a different CA. So I can ask how THEY are entitled to collect the debt from me? Did I get all this right? Did I miss anything? 2.) It's been almost a week since I got their pathetic attempt at DV. And I am ready to send my letter saying it's just partial DV. My question is, can I do the 1-2 punch with THIS letter, even though it's not the original request for DV? Please give your advice on this even though my next question kind of contradicts this question. 3.) The weirdest thing that I noticed just today on my CR's is that they don't even have an entry in the credit accounts on any of my credit reports. They just have an inquiry on my experian CR (viewable only by me - that's a soft enquiry, right?) and nothing on the other two reports, which means I can't do the 1-2 punch. Are they just late in putting it on the CR? This is truly confusing me. I am ready to send this off in the next day or two. I would appreciate input from any of you!! I love CB. It gives new hope to people!! Deepa

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