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

Shuffle off, troll. - Uncle Wulf

I am also dealiing with John Fry, they harrass me, accuse me of lying, tell methat if I really cared I would find the money to pay. I offered them what I could and they said it was just a convenience to me to pay that amount. They should be pulled off the planet. I have been the ringer with my finances due to job loss, and they don't care. Then when I try to speak up to defend myself, they accuse me of yelling. All the other agencies work with me. not this evil business.

comment on collectors.If they are aholes about it,reduce all communication to written method only.Never understood why they would harass the actual people they depend on for their commission,boggles my mind.

__________________
Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

John P. Frye is the cousin of Chastity Frye, the escort patronized by the Virginia Tech shooter.

These bastards call me a lier every time they phone me and I wrote the actual law office of Fry complaining. I wish they would have their business license pulled . And if you look in the local paper there in Virginia, they are always hiring collectors for this agency, promising them big bucks for collecting on the debts...or harrasing the clients to the point they break down and cry. I ask them not to phone me again, to contact me by letter, they continue to call me. and I continue to hang up .

Hi Peg -

You're in Virginia? Record their calls. You don't need their consent to recording. Harassing, abusing, and driving you to tears is patently illegal under 15 USC §1692d. Build up enough recordings for a good stockpile, then send them a (cmrrr) letter stating never to call you again, and to make any future contacts in writing only.

This may get you sued. If it does, go into that courtroom with a copy of the letter you sent them and copies of your recordings of their telephone antics. The judge ain't gonna look favorably on them.

While you're at it, sue the socks off of them for FDCPA violations, under 15 USC §1692d.

__________________
Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

I have no dealings with this law firm other than they keep calling my cell phone number looking for someone else (I do not know this person, and I do not know how they got my cell phone number). I have called their office and asked that my cell # be removed from their calling list, but they still keep calling. I'm not sure who I should contact now?

John P Frye; I have been making payments to them for over a year now. I recently pulled my credit report and it shown that my loan was written off. So if they wrote it off and I did not sign a contract with them, then how can they be trying to collect from me that I did not agree to with them

I mistakenly answered a blocked call from John P Frye's office. After a recent layoff, and a tragic death of a family member that set me behind financially, I fell behind in my HSBC account, paying only what little I could here and there. I knew that I'd received a letter from "Frye's" office, and being completely uneducated and intimated by the "lawyer" set up, I foolishly gave this lady the information to my debit card, as she stated that with me not being able to pay the full balance, a deposit on the amount was due immediately, or else.
Out of respect for authority, overwhelmed with fear and feeling trapped, I complied, and this amount is to be deducted in 2 days. She will be calling me back tomorrow to verify funds. Now that I know that I should send in the validation letter first, I do not want her having access to my account to take out the so called "deposit" amount. Is there anything legally I can tell her, that revokes any prior permission to my debit account?
Being an honest person, nieve and caught off guard, I made a mistake by even speaking with her, but with this transaction not in writing, is there any way I can back out of it? Reading the FDCPA, I cannot find anything that directly states anything I can pin on them, if I change my mind on payment. I'm 23 years old and trying to figure out the best thing to do...Lesson learned, credit cards are not the way to go in life! Any help would be simply a blessing!