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Frontline...

...isn't that a pet supply thing?

Did you ever get any magazines for your dog, or perhaps you got doggy medicine?

It's not the pet thing it says it's Frontline Educational Products.

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Have you changed cell phone companies recently?

Or have you disputed any charges on your current plan. What I'm coming up with is a service that is used with cell phones (entertainment feature either billed to your phone or credit card) that will allow you to get user ratings on restaurants, get driving directions, etc...

No never anything like that I have been with Nextel for over 2 years and I haven't changed my plan.

Would it be alright to send a letter to Bennett & DeLoney asking for proof that I owe this?

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well this is nothing you would sign up with Nextel with.

you go into tho web menu and you join it on your own. It'll ask you for a credit card or billing info.

This may not even be right Frontline Educational Products...

hmm...I'd just wait for validation I guess. Have you requested that yet?

Have you checked to see what's on your credit report that may be similar. The company could have changed names too...

Wait for Validation how? Should I send a letter to B&D requesting Validation?

I have not checked my credit report, I;m not even sure how to go about doing that?

Yes, it is your right to request information to validate the debt. Once you send the letter, by law they must cease and desist all collection attempts for 30 days. In other words, you have 30 days to respond to them and let them know if the debt is valid.

The following is an example letter of how you go about it:

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on _________________. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification� or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:


What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

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I love the street name...

NotOnYourLife Avenue

Excelent thank you,but somethings in that letter are not true, I wouldn't take legal action over this, I don't even have a lawer, It should also be noted that B&D has already tried calling me once.

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Sorry anime2bfound

Would it be alright to send a letter to Bennett & DeLoney asking for proof that I owe this?

We must of been typing at the same time and posting. I didn't see this question.

Yes, you ever right to send them a letter asking for validation.

You can even use the template that Tracy provided. Just be sure to change the names where needed and date/sign the letter.

Thank you Mikey and others you have been most helpfull. hopefully after I send this letter they will back off. Because I don't think this claim has any truth.

Anime2bfound: Cut and paste the letter to your specific situation. The main thing is requesting the information you need to validate the debt. All the other stuff refers to your rights and if they violate them in any form or fashion all you are saying is you wont hesitate to bring legal action against them.

More than likely once they receive your letter, they will comply and send you what you need to validate the debt.

I copied the letter and sent in on Friday. This morning, I receive another phone call from Ellis Crobsy. I ignored it. I just want to know if this is the right thing to do. Is there anyway to get them to quit calling me? Thanks

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whitetigerwy

Did you send the letter certified. They may not receive it till today or tomorrow...if you sent it Friday.

Whitetigerwhy:

Sending the letter is your legal right and it protects you from illegal and abusive collection agencies like EC, therefore it is the right thing to do. All you are doing is requesting information regarding the original debt so that you can validate it as well as their right to collect it. By law, they are required to comply with your request and CAN NOT engage in any further attempts to collect the debt until such time they have sent you the information and you have contacted them back regarding your investigation. The letter included a cease and desist order as well, so when they receive your letter, they should stop all collection calls. BUT, it doenst mean they will.

I got them to stop calling me by sending a formal complaint to Ted Crosby himself explaining I intended to take legal action against his company because of they way I was treated. I sent it certified with return receipt. I got the receipt back a couple days later and have not heard from them since. I also told the guy harassing me that I was recording him, he got pretty mad about that and hung up.

If I were you, since you have sent them a C&D and request for information to validate the debt, if they do not comply with EITHER, DO NOT PAY THEM ANYTHING! However, more than likely they will not send you what you have asked and they will continue to call. In that case, you will have no choice but to call an attorney to get them off your back.