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11-17-2009, 07:47 PM

Quote:

Originally Posted by Anonymous

I have been receiving calls from John P Frye. They have called up to 15 x's a day, never leaving a message. When I finally answered the phone, I asked them to stop calling. He continued to call me 2 an hour every hour for 4 hours straight. I am following up with a cease and desist letter today. They have contacted the company I am dealing with who is helping me with my debt. They told them that if I do not pay by the 19th, they will sue, garnish my wages (I dont work) my husbands wages, and go after my husband. I have never been so scared in my life....I hear the phone ringing and my heart stops because I know it is them. What can I do next??

Dont worry. Read my post I wrote today. these are the things you need to validate an alleged debt.
This letter is being sent to you in response to a letter sent to me August 29, 2009. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
1. , Oct. 29, 2002) – Information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase their request to obtain: The source of the debt and the amount of bad debt, buyer paid for the plaintiff’s alleged debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus and documents conferring authority on defendant to collect debt.
Intimate knowledge of the creation of the debt by you , the collection agency. This is NOT a request for “verification,” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay you what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account;
7. Show me that you are licensed to collect in my state;
8. Provide me with your license numbers and Registered Agent;
9. Signed agreement from the debtor confirming to pay the debt;
10. The agreement which authorizes you to collect debt on the assumed debt.
11. Complete payment history, the requirement of which has been established via Spears v. Brennan 745 N.E.2d: 2001 Ind. App. LEXIS 509 and
12. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
13. Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow Financial Services, 302cv577, 2002 WL 32173704 (D.Conn.
Hope this helps. it worked for me