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 Posted: Sun Apr 13, 2008 10:47 am Subject: 1-2 Punch |
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There is a method out there called the 1-2 punch. Basically how it works is that you send a DV letter to the CA. When you receive the green card back you then dispute with the CRAs. When the CRA verifies the account, you got the CA for continued collection activity since it has already been established that any reporting (including verifying) is collection activity and therefore against the FCRA.
I found on the internet a graphic flow chart..it is the best thing I have ever seen for this and give many kudo’s to whoever it was that made this.
[img]http://server5.theimagehosting.com/image.php?img=12Punch.jpg&albu m=&fullsize=1[/img]
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goldenbast
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| Posted: Sun Apr 13, 2008 10:47 am Subject: |
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Hmm..the picture didn't show..but goto the site and have a look.
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goldenbast
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| Posted: Sun Apr 13, 2008 10:54 am Subject: |
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golden
take the brackets and img stuff off each and it will work fine browsers cant read that
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sugahplm
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goldenbast
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goldenbast
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| Posted: Sun Apr 13, 2008 11:09 am Subject: |
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i can get it to work when i click your last "blue line"
its like a sort of progression chart to show you what to do? right?
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sugahplm
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| Posted: Sun Apr 13, 2008 11:16 am Subject: |
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Yup! I was just trying to get the image to show up here so people wouldn't have to go to another link...but I can't figure out how to do that.
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goldenbast
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| Posted: Sun Apr 13, 2008 8:37 pm Subject: |
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yes, this is a way to see if the CA youre dealing with cares at all about the law. We just did this with a CA I am dealing with, and they failed the test. This is also not just a FDCPA issue--reporting info on a credit report that cannot be validated as accurate can be a violation of the FCRA as well, and those are more costly for the CA if you sue them. The penalties can be higher for FCRA violations than for FDCPA.
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skydivr7673
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