Hi been-there-done-that...
ok, there is an easy solution for you here. You need to send a letter to CBCS via certified mail, RRR. This will be a
debt validation letter. In this letter, you are telling them that you request for them to prove their claims about this debt. Validation, in order to satisfy the letter of the law, must prove three things:
1--it must prove that the CBCS Collections debt is legitimately yours.
2--it must prove that CBCS has the legal authority or right to collect on this debt.
3--it will prove how the amount they claim you owe is calculated.
If they do not provide such documentation to you, it is illegal per federal law for them to continue trying to collect this debt from you. The FDCPA--federal law--states that they must stop all collection efforts once they receive your validation request, and they are not allowed to continue those efforts until they provide you with proper validation. If they cannot provide it, then you can sue them for $$$ if they continue trying to collect it anyways.
In this letter, you want to be sure to mention that you have spoken with the original creditor personally, and Bell South has informed you that they have no such record of an account past due with your name on it. Chances are good that they wont be able to validate it because of that, and they will have to stop bugging you or risk a lawsuit.
hello Sandy D--your situation is also easily rectified. All you need to do is send them a letter that we call a cease and desist letter. This is a letter telling them that they are to immediately cease any and all attempts to contact you regarding this matter. This means that they cannot call you or send you anything in the mail.
Inform them that they are violating section 804 of the Fair Debt Collection Practices Act by repeatedly calling you, because you are a third party in this issue. FDCPA section 804 states that they can only contact a third party one time to find the whereabouts of the alleged debtor. If they keep calling you, this is the way to go:
Quote:
To whom it may concern:
Your company has been repeatedly calling me regarding a business matter that you say you have with (insert your daughter's name here). I am a third party to this issue, and as such, the Fair Debt Collection Practices Act prohibits you from repeatedly calling me about this person. Your company has already been informed that you cannot reach this person by calling my telephone number, which is (insert your # here). Your actions constitute harassment, and therefore a direct violation of Section 804 of the Fair Debt Collection Practices Act.
This is a demand that you immediately cease any and all contact with me. Any further contact from you after the date of receipt of this letter will constiture further harassment, and I will then have no choice but to file a lawsuit to protect my rights. You should be aware that any violation of the Fair Debt Collection Practices Act can cost you up to $1000.00 in court. No form of contact from your company regarding this matter is welcome--this includes, but not limited to computer dialers, standard telephone calls, and mail correspondence.
Any continued contact from you will constitute two violations:
1--violation of FDCPA section 804, in regards to third party contact.
2--violation of FDCPA section 806, in regards to harassment and abuse.
There will be no further notification from me in this matter, unless the contact continues, in which case I will file suit and you will be thus notified.
This is an attempt to correct your records. Any information obtained will be used for that purpose.
Respectfully,
(type your name here, DO NOT SIGN IT BY HAND)
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Please feel free to copy that and use it, or modify it as you see fit. It is not copyrighted, I just came up with it now. hope this helps!
EDIT--forgot to mention, for this to be effective, you MUST send these letters via certified mail, return receipt requested. This way, you will get a receipt in the mail proving that they got your letter.
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