A statement can be validation under certain conditions.
Does the statement originate from original creditor and is the balance on statement the same as balance being collected?

ladybug I replied to your bbb post.I think you should keep the complaint open and call them out on their lies and submit your docs directly to the bbb showing proof.

__________________
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.

I did just that Cajun, I am not accepting Mr. Blue Rannefeld's response it is full of sh***. So we will see what the BBB does next in regards to this information.

I have all of the documentation that was sent and received by them . I can hardly wait . I say bring it on Although I am pretty sure they aren't going to bothering me again.

ladybug

OMG!! OMG!! Was there a bit of a 'fight' (lack of a better word), going on, on this thread??!! I read the last 6 or 7 posts, in this thread. WOW!! Some people can be so rude. What was his name..."Procollector"?? My goodness. People, that responded, sure put up a good fight with this guy.

The statement is from capitalone and the amount is what they're collecting, however the date on the statement says july 2006, and that was when the account was turend over to collections. I'll get around to uploading the papers today or tomorrow on the New post I made a few days ago.

__________________
4 Laptops for sale asking $750.00 OBO send a PM!

NX6110 by HP 1.6 GHZ DVD/CDRW WINDOWS VISTA and more!

Please do not try and sell your things here. I for one am tired of this and the fact that someone is trying to sell me something. This is a site that helps people get out and stay out of debt. It is not ebay. Enough!!!!

As long as the advertisement is in the 'signature' section of their comment, it really does not pose a problem for me. One can either not buy the laptops or buy them. I don't care if one tries to sell anything, as long as they are not spamming the threads with ads, like some people do.

__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com
Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm
Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/
Federal Trade Commission: http://www.ftc.gov/

Your word is gold to me Anthony Lemons, if it is not a problem for you, then it is not a problem for me.


thanks

well im back and see most of you still question the validity of your debts maybe you shouldn't be allowed to have lines of credit since you want to act like you have know idea that you owe money to a debt you ran up no one forced you to get card. If you owe money and want to question something try your credit report im sure your debts are listed on there and if you dont know where your acct is call the original credit im sure they will forward you to the place you supposedly think is some type of scam bottom line if you really wanted some proof rqst a letter with company letter head faxed and stop wasting time which is what most debtors always are trying to buy.

Ah, the ol' double posting tactic, to display how obnoxious one is. Pro collect, I need to ask you a question, and I will request only a mature, rational answer, if you could possibly accomodate me. Are you commenting here in hopes to somehow inspire people, or do you visit only to pass around child-like remarks? I would like to say, that if you are here to be unproductive, then go find a site that humors your sort of sick comedy.

__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com
Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm
Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/
Federal Trade Commission: http://www.ftc.gov/

Well it started off as two duplicate posts until the moderator genie swooped in.

__________________
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.

procollect, I still have not figured out why you are here spinning your wheels. You have done nothing in this topic but accuse people of all kinds of wrong. Do yourself and your firm a favor and read the fdcpa I have pinned in this board. Your complete disregard from following it will cost you dearly one day in the near future.

__________________
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.

I actually hope to inspire people to do the right thing and that there is a way to resolve your debts without out breaking the law which I can say havent done everyting we do in collections at my firm is within the law. We record all calls for that reason there is always some joe blow who things he knows the law because of some consumer site which 9 times out of ten there quoting the wrong law such as by law you cant cll me at home if you say so fact doesnt exist in most states without the proper papers being sent. All day all we here are excuses some valid but unfortunately not here to counsel that time has passed. Either pay your debt voluntariliy or do it involuntarily collectors really dont care if one person doesnt pay there is always someone that does want to pay so move along if you want help I help if you dont hang up and the additonal posting are due to computer error

I seriously hope you get nailed with a bogus debt Procollect and see how YOU like it.

Do you even realize that it is shady, double dealing runts like you who make asking for validation necessary? Let me ask you this, if a collector did hold a legitimate debt, why wouldn't they be happy to send the proper validation and then collect the money?

Why would a reputable collection agency (if they even exist) buy debt without making sure they have the proper paperwork? Why would they want to do such a thing?

Hmm..I have some prime real estate on the moon for sale…want it? I don’t have the proper paperwork, but that’s ok since you guys seem to never need it.

procollect all of the laws quoted here are directly taken from their source and I would advise you to tread lightly on the phone call issue. The Ftc and federal court circuit have held in certain districts that a verbal c & d or dispute is sufficient. I am glad your firm records and wish more would.It makes it interesting in the discovery when your tapes would be turned over by court order.

__________________
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.

yeah your right but only certain states have strict laws which aknowledges a verbal C&D and I for one am not one for breaking the law problem is because of sites like this everone seems to think that everything they read seems to apply to there specific case which is sad lack of education doesnt giev you the right to complain with the state bar which im getting tired of answering and will only bring about more damage to debtors once you starting threating your complain to the bar you had better expect a countersuit.

Well "procollect" maybe you and that sorry company you work for should brush up on your legal skills and knowledge. Do we know how to say lawsuit? Yea I sued procollect, for more then 4 times the amount they were trying to collect from me because they broke over 12 federal laws against concerning fair collections and bankruptcy. Whats funny is their website claimes they are very well educated in bankruptcy law. Even more funny. I got a writ on their bank account.