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Sub: #1 FDCPA violation?, §809
Replied on 01-15-2012, 02:33 PM
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I have proof that a CA violated the FDCPA by continuing to send me letters, after I had requested the name and address of the original creditor. (yes I have the certified receipt, and no they never sent me the name /address).
I know that I could sue them and/or report them to the FTC, and I would probably at most receive the $1000 the judge may decide for me (as provided by the FDCPA).

However, do I now have any bargaining chips with the CA now, whereby in agreement for not reporting them to the FTC and/or suing, I could get a substantial discount on the settlement? (The debt is over 18k and well within SOL).




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Sub: #2
Replied on 01-15-2012, 05:25 PM
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Every letter would have included the name of your creditor. So they just did not send you the address?

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Sub: #3
Replied on 01-15-2012, 05:29 PM
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That is correct.
(also, this is not the original creditor they are representing, but yes they did include the name of the OC). This was a charged off account from BoA that was sold to Cach, LLC.


Last edited by amopower; 01-15-2012 at 05:52 PM. Reason: more info



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