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 Posted: Thu Feb 15, 2007 7:51 pm Subject: how long before sending the cease & desist letter |
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I have been trying to look through the past posts for this info, but there is so much other good info, I usually forget what I was looking for originally!!
I have sent a letter to dispute the debt. How long should I wait before I send the cease to contact me or my son letter? I don't answer the phone, but it makes me crazy anyway. I just don't want to tick them off and have them pursue legal action instead. I am hoping that maybe, perhaps, this will go away....
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dalfire497
Joined: 01 Feb 2007
Posts: 141
Debtcc Points: 2563
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| Posted: Fri Feb 16, 2007 5:26 am Subject: |
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There may be some people here that disagree with me, but when I write a letter to a CA, I ensure it is all encompassing. Why write multiple letters when one will serve the purpose? I'm pasting an example letter I've written to several CA's. ALL of them have adhered to the terms I outlined.
| Quote: | Dear Sir/Madam:
This correspondence is in regard to your account number (Omitted). I have received several telephone calls from the following numbers regarding a matter that has yet to be specified: 877-373-5807 and 877-899-0192. The first number was identified as NCO Financial Systems while the second was identified as NCL Financial Systems. I have come to learn that NCL is a subsidiary of NCO Group. I have investigated your company and learned that you are a collection agent and are licensed to conduct collection activities in the State of Tennessee. However, the address given for NCO Financial is listed as follows:
NCO Financial Systems, Inc.
3850 North Causeway Blvd
Suite 1240
Metairie, LA 70002
If you’d like to verify that information, here is the link where I captured this information:
http://state.tn.us/commerce/reports/collect/3502/active_disk1_3502.txt
I will be happy to discuss any business that we may have between us. However, I must ask that we do so in writing only. Please detail the nature of your alleged business with me by sending a debt validation letter. As you are well aware, the Fair Debt Collection Practices Act entitles me to request such a document. Again referring to the fdcpa, this is to notify you that I wish all verbal communication to cease and desist between NCO Financial, NCL Financial, and any/all subsidiaries and affiliates of NCO Group and me. You are not to contact anyone other than me regarding this matter.
Upon receipt of your debt validation letter, I will respond within the 30 days allotted me by the FDCPA. Should I discover that the nature of your business with me is legitimate, I will make every effort to resolve this matter amicably and as expeditiously as possible.
You may send the letter to the following address:
(Omitted)
As you will note, I have sent this correspondence via certified mail with return receipt. Should I not receive the information I have requested, or should NCO Financial, NCL Financial, and any/all subsidiaries and affiliates of NCO Group continue to contact me via voice, I will consider these as violations of the FDCPA. Moreover, should any other violations of the FDCPA, or violations of any laws governing collections in the State of Tennessee, and any other violations of federal laws governing collection activities occur during this process, I will seek any and all legal remedies.
Your attention to this matter is appreciated.
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fjv4
Joined: 29 Dec 2006
Posts: 62
Debtcc Points: 1850
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| Posted: Wed Oct 31, 2007 10:09 am Subject: NCO |
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How do I find out if NCO is lincesed to conduct collection activities in the State of Florida?
Thanks for your help.
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Rog
Guest
Debtcc Points: 100
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| Posted: Sat Mar 01, 2008 11:13 am Subject: good letter |
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thanks for the letter, fjv4. I, too, have been receiving multiple daily calls from these people. I am also in tn., and have been looking for a way to contact this co. I really like your approach of using one letter instead of two, and I am using your template to send a letter to them right away.
thanks again.
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jackmiddleton
Joined: 21 Feb 2008
Posts: 6
Debtcc Points: 326
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| Posted: Sat Mar 01, 2008 1:30 pm Subject: |
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Just remember, that unless you live in Texas, or maybe Florida,not sure about that one--there is no set time for them to validate. I have been trying to get validation for about 2 years from one.
Any correspondence between you and them needs to be documented. I started a log where I put all phone calls to and from them--dates, what was said, etc., and also copiesof all written corresponcence.
If you truly owe a debt, it wont's go away--they just sell it to another Collection Agency. Make sure that this is your debt, you owe it,it's not out of the SOL(although you still owe it) and that they can legally collect before you make any arrangements or agreements with them..Karen
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Bossy4455
Moderator
Joined: 27 Feb 2006
Posts: 5459
Debtcc Points: 64216
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| Posted: Sun Mar 02, 2008 1:07 am Subject: |
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one letter is a great plan I think!
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socksfullofrocks
Joined: 14 Dec 2007
Posts: 578
Debtcc Points: 55
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