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Oh Joy! DH received letter from Revenue Recovery Service that they have purchased a debt (1 full year beyond SOL) and he has 10 days to remit payment - or "we will have no alternative but to commence legal action against you."
Rubs hands together - I am having fun counting the VIOLATIONS against this scumbag JDB.
Here's my list so far:
1) Threatening legal action when a). the debt is beyond SOL, . Scumbag is not licensed within the State of Florida (where we live).
So this is a violation of FDCPA and a violation of FCCPA - which would be $1k for each contact or call. (right now the tally is $2k).
2) Threatening to increase charges - "If we do not receive said payment, we will have not alternative but to commence legal action against you which will result in additional costs and expense to you. The legal remedies call for treble damages of your outstanding debt plus attorney fees and court costs. If you wish to discus an alternative payment proposal you may contact our office."
Does this constitute an additional violation?
This is the initial communication - that they have acquired the debt and the letter demands money within 10 calendar days or the legal action. Isn't that a violation right there? They do provide the verification notice but it is in smaller font and seems to be contradicted by the 10 calendar days demand for payment.
I plan to send a letter of dispute. Is there any other obligation on my part? When can I "commence" legal action? If they don't respond?
I filed my taxes in 2012 but I was in prison at that time. I was released in January of 2013 and immediately started working again. I recently found out (in early 2014) that my identity had been stolen. I called the IRS but they have been giving me the run-around for around 9 months. I'm poor and I need help getting my 2013 tax return. Does anyone have any advice on how I can get this resolved? Any help would be very much appreciated. Thank you.
Xpost from Idenity Theft.
I have sent block letter per FACTA to Experian along with FTC Affidavit, police report, driver license, social security card, utility bill (for address verification) and received 2 page letter from them after a month of investigation.
Basically here what is said on the first page "If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter".
At the end of the letter is noted "The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reasons(s): It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information"
Can someone explain what is this response and what is my next step? This is unbelievable. Equifax and Transunion diligently blocked within 24 hours of receiving.