http://www.debtconsolidationcare.com...s/sample6.html
That is a good debt validation template from this site, send it to them USPS certified, return receipt requested. See if they are able to produce validation first. Also since they have threatened you with a lawsuit they have 30 days to follow through or else they will be in violation of federal statutes per fdcpa.

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Also, once they receive the validation letter, they must cease all collection activities until validation is produced.

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Technically, they can have people call you re: this debt. There is such a thing as having a manager in a law firm (e.g.: a litigation support manager, a comptroller, or even a general manager who is basically a finance wiz). As long as a staff member identifies he or she as a staff member 'following up,' it may be straddling the line, but still legal. You can however demand to speak to the handling attorney and make sure you specify the "handling or primary working attorney" (Do not let them give you the 'billing attorney,' if it's a large firm, they will send you over to a partner who is clueless on the day to day activities) on the matter, they're also the ones with the true settlement figure and know the bottom line and can really cut you a deal.

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also they can and will resell this previously uncollected debt to junk debt buyers guaranteed!!!

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Unfortunately, I've had to deal with this "law firm" as well. I am working with them and one other firm for two separate debts. The JP law firm allowed me to make payments, and then suddenly decided it was taking too long and demanded the balance asap, even though I've been making payments faithfully from the beginning. I've had no such problems with the other firm. Does anybody know if the JP law firm has ever been reported to the MN AG's office?

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Today I received a second call from that firm. The first one was about one year ago, I called them back and I got the same automatic message and I did not wait to speak with somebody, the never called me again for several months. Today I got the second call and I decided to do some research about them and I found this forum. What I can add to the conversation is that I have debts but all of them are in good standing and as far as I know I have a very good credit score. They left a voice message instructing me to call back # 1-866-826-4101. The person that left the message sounded very bossy, I could say intimidating. My gut feeling is that they are not a legit agency. What would you recommend? to call them back? Like I said I have a job and I have been fortunate to keep our debts current. Thansk for the links with our rights, they are very helpful.

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if you are current and in good standing on all accounts.i wouldn't call them back.sounds like they could be phishing for info.

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I owe a debit that was with Chase Manhattan, the origianl balance is now at 0 I am now paying on the interest which was over 2,000. My income has decreased and I contacted them to have my payment reduced and was told no that I should apply for a loan in the amount of 1,000 and they would close the account or I had to continue with my month payments of 125 and If I could not do either of the above then they would take other actions against me. I currently owe on the outstanidng balance for interst only in the amount of 1700. Help

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Wow, the same Joe Pezzutto Offices contacted my father (havent lived with him in 7 years) and my husband when they couldn't contact me. I have an debt of 1800 dollars, and they are telling me I must pay it before March 20.
I was out of work for 8 months and was unable to pay my bills, so now I just started working again, and paying things off.
They said if I don't pay it all there will have to be legal proceedings.

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Liz001,

If you have not been contacted by mail yet then that is just a scare tactic. Call them and tell them that under the FDCPA they now have 5 days to send you something in writing. Verify only your name address and telephone number. Once they send you a letter, you have 30 days to dispute the debt. It should have a 30 day disclosure in it.

Also what state do you live in and when was the last time you paid the original creditor or made a payment in general on this account they are collecting on? If it has been a long time the debt could be time barred and any payments may re-start the SOL.

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They called me today at work which I don't like and ask me to settle a debit of 1008 by end of business today. I have never heard of this company and never recieved anything in writting.I asked them to send something and they said they did to a po box which I don't have. What should I do?

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I have been dealing with these people, since December. I have spoke with at least three different individuals. However, one refuses to stop calling me at work, when I have given another number to be reached. On Friday alone, within 5 minutes, he called me at work 2 times, while simultaneously calling my cell 3 times. I have joined a debt company, and I am making monthly payments to them. I have no extra income to surrender at this time. How can I stop this guy from calling me at work?

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I have been "dealing" with the harrassment of these guys for over a year. I have been trying to work out a payment arrangement and they tell me they instead want it all now and to borrow money from my mom (who's dead) or my and I quote "waiter boyfriend". They have added $5000 to my original $6000 debt and have managed to finally serve me papers that are long out-dated. I called them again today and nothing has changed, he hung up on me when I offered to pay $100 a month, which is all I can do. I don't know if I should hire a lawyer or what to do now. I feel like going to court is better than trying to deal with Joe Pezzuto's "law office".

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I just received a call from this people and I talked to ‘’Tia’’ She said that I must pay 1500 dlls by the end of this month… which is in 8 days. Otherwise they will have to have legal proceedings and the cost will be more.

I recently changed my address and didn’t received any mail whasoever and this person said that they have been sending me mails but they were returned.

I had been paying around 100dlls per month for my debt with bank of America. But they just stopped taking money out of my bank account. 4 months after this I received a call from these people.
What should I do? Thanks.

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some one named Andrea Hubbard gave you my phone number. please stop the calls.

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some one named Andrea Hubbard gave you my phone number. please stop the calls.

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