So I have been harassed to no end by ARM of Florida, over an internet pdl. I told them in the beginning that I would pay them the principal of the loan, but they want over $2000 now on a $300 loan due to fees, etc. Not going to happen!

I have sent a debt validation letter, which they never validated, and then have sent them 5 C/D since March, because they call constantly.

So far, they have contacted me at work 4 times, although I told them not to the first time, and put it in each of my C/D letters

They have called me at home 36 times since receiving my first C/D letter

I have been been threatened with jail time twice, called a *** loser once, and 3 times, the caller refused to identify themselves, simply saying "You know who this is" before hanging up

They are also trying to collect on an illegal debt


My question is this: is each one of these instances a FDCPA violation? Because if so, they owe me about $55,000 now!

I just want to make sure before I get back with this NACA attorney that says he'll take my case.

Thanks!

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you can check with your states legislation (generally under the UCC) to check their statutes on consumer rights regarding debt collection.

also you will find consumer attorneys at naca.net

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