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I have the (2) voicemail messages left by ACA Recovery threatening me and acting as a law office. Also the letter they sent me dated 4/14/08 stating I owe PaycheckToday $805 on a $500 loan. My question is: Is that all i need to bring to the lawyer or should I bring all my bank statements (showing how much I paid on the loan), copy of the loan paperwork from PayCheck Today, etc. Or is this irrelevant to the CA?

Posted: Wed Jun 11, 2008 1:26 pm Subject:

I guess what else I am trying to say is that enough proof, the voicemails? They are clear as day and she calls out that she is from the Law Office of Norman G. Kalina and then gives you a number to call back and it is ACA Recovery, Inc.

Posted: Wed Jun 11, 2008 1:37 pm Subject:

Make sure that those recordings are admissible in a court of law, for your state, or do you already have that information? If so, seems to me that would be more than enough evidence, however, all the information you can provide is always advisable. Perhaps someone with more knowledge on this subject shortly to advise. Smile

Posted: Wed Jun 11, 2008 3:11 pm Subject:

The voice mail would be a recording where the other party is privy to the knowledge they are being recorded as they know it is a voice mail. If this Kalina person does not work within the same office as ACA as a retained attorney then the original poster probably has cause for civil action.

Posted: Thu Jun 12, 2008 8:58 am Subject:

thanks Shazzers and JCEMT

marciesalmon · Posted: Thu Jun 12, 2008 11:57 am Subject: DISPUTE and get VALIDATION

Can these idiots show proof that you owe the not the original creditor????? Does the collection agency have "legal assignment" of the original debt????? I bet not!!! Do not ever give a debt collection company money under no circumstances

You do not have to prove anything to the debt collector. It is the other way around.

Removed by Shazzers
Reason: No solicitating permitted, against TOS rules.

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Need advice on suing CA for FDCPA violations......

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