**Look-Just came across a very interesting website

This firm seems pretty good. I sent an inquiry via their website a few weeks ago about three o'clock on a Sunday morning, not expecting to see response until sometime later in the week. I was stunned when I woke up at 8:00 Sunday morning and they had already responded.
It appears inquires sent through their website are sent to their attorney's blackberries and they respond immediately.

Well, I don't have anything in writing to prove that Oxford has done anything wrong. They just continue to call after I wrote and told them not to, and this has been going on for several months. I told them written correspondence only--since then, they haven't sent one thing in writing, just keep calling every day-after I told them not to. The calls have backed off a little now, to maybe every other day, or every two days then skip a day, sometimes they go three or four days without calling. But the fact remains, they call. I was checking to see if they do anything else wrong, if anyone else has had problems with them. Guess if they have, they haven't reported it.

I guess I could email and tell them that I had wrote this company for validation,(they are holding two accounts) and they sent back a list they came up with of last six months worth of payments on both accounts. That was all I got. Then I told them no phone calls written correspondence only. and they haven't honored that. They are breaking the law by calling after I told them not to. Shirley

What you have said in your post is enough to prove that Oxford is not honoring the laws of the fdcpa. They have violated the C&D rule by contacting you regularly. You must be having a log file of when they called you with dates and time along with the name of the caller. Send this list along with the complaint of the C&D being violated to the lawfirm. This is enough to prove the laws being violated and take necessary actions. It is when the company will get face to face with each other, the facts will be revealed about the debt validation.

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Wow, I have two accounts with them. I've never had a problem with them though. There is one thing I question and it may be neither here nor there...
original creditor is fingerhut, phillips and cohen contacted me about it but its listed as their client being 'midland' as the original creditor not fingerhut. As I have asked this question before, can a collection agency collect for a collection agency? shirley

I heard something similar from a person saying that Asset Acceptance is also using a law firm for the collections. So, it does mean that a collection agency also hires another agency to do the collections.

The thing to understand here is how the accounts will be reported to the bureaus? Will three agencies appear in the file or just the CA/OC will be marked besides the accounts. I perhaps will have to do some research here and get some info for all of us.

what is the difference in a collection agency and a buyer of debt?

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The Fair Debt Collection practices act does not make or allow a distinction fro "Collectors" and "Debt Buyers".
Under the fdcpa Debt Buyers are still considered Collectors, and governed in the same manner (as are collection attorneys) There are several staff opinion letters on the FTC's FDCPA website which make this abundantly clear. It is most clearly spelled out in a staff letter to Arbuckle of midland credit management.

http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm

Clay--
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In my case, in transunion and equifax--they are just showing the original creditor (fingerhut) as a 'charge off'--phillips and Cohen are not listed on it at all/nor midland. (equifax has NO collection agencies on it at all) BUT on experian, they list 'midland credit management' and it says 'original creditor-Fingerhut credit Advantag'--so they don't even have Phillips and Cohen listed and thats who I'm actually paying the money to every month. But Phillips and Cohen do have the original creditor listed on their statements as Midland credit. so I guess in this case a collection agency IS collecting for a collection agency. This just shows on my experian report though---its the ONLY report that is showing any collection agenies that are currently collecting---the other two don't show. shirley

I just spoke with a Lisa Martin from CMS (Credit Management Services) and she was very hard to talk to. At first she was really nice then started asking for info about my husband and I refused to give it to her, this is not his debt it's mine. She then got nasty stating that she was going to say that I don't want to take care of the debt and I am not cooperating. I told her that was not true, I would give her info on me but not him. She then proceeded to ask for my bank info, I explained that I wasn't going to give that info over the phone. She then said that I was uncooperative and would put that in the file. I told her that was not true but I am not dumb and I wouldn't give this info over the phone. She then hung up on me. I just laughed.

How do I email this law firm who is investigating these companies?

Thanks.

Just go to their website which is on the first message of this thread...there is a place to contact them.