[imkimssister]

Hi, I was being harrassed by Encore collection agency over a debt that is a few years old. I wrote them and asked for validation and never heard back from them, this was several months ago. NOWI am hearing from an altogether different agency. Got the letters in today mail. Why didn't the other agency just send the validation when I asked for it? could this mean that there might not be any? This new agency is called encore ---if anyone knows anything about these people, please share. SO...do I respond right now with a validation letter to them? just curious as to why the other agency didn't send validation if it was available? thanks, shirley

[samuel]

Hi Shirley,

Welcome to debt consolidation forums.

It is quite strange as to why the Encore collection agency did not respond to your validation request .You can resend your request to see if there is any response from them.

One reason why you are hearing from a different collection agency is that the earlier agency has sold your account to another agency. Before going into any sort of payment plan you should first ask for debt validation.

To get rid of Encore collection agency harassments you can enroll in a debt consolidation program where by the companies handle these collection agencies, save you from further harassment and also negotiate to reduce your debts.

You had mentioned that the name of the CA is Encore collection agency.
There are 3 locations where their offices are situated. Please contact the one that is located nearer to you.

Encore Receivable Management, Inc. ,

(i) 14425 College Blvd., Ste. 170 Lenexa KS 66210- , (913) 327-6500

(ii) 400 N. Rogers Road Olathe KS 66062- , (913) 782-3333

(iii) 6863 Spencer St. Bldg E-1 Las Vegas NV 89119- , (702) 407-4500

Hope this information will help you.

Please feel free to visit this forum again with your further queries.

Regards,
Samuel

[imkimssister]

just speculating here, but could it be that maybe Encore collection agency couldn't produce any evidence (validation) so they decided to pass it on? I am definately asking for validation from this agency as well...am curious as to what happens next. (whether they will produce it or not) thanks, shirley

[Sdcomputercare]

Hello everyone!

I am totally new in this thing. My husband's starting his business and he's having problem with Encore collection agency as well.

What is a validation letter? What is it good for?
Thank you for your answere in advance.

Best regards,
Thanh

[roxette]

Hi Thanh

Welcome to the forums. Please do not feel shaken while dealing with Encore collection agency as the whole community is with you to guide in the right direction.

The collection agency is assigned to recover the debt from the consumers when the creditors fail in their actions.

In order to make sure that the collection agency is actually working for the creditors, they have to provide some necessary details about your accounts. As per the fdcpa law, debt validation letter is a strong weapon through which you can legally urge the collectors to provide a proper presentation of your accounts.

http://www.debtconsolidationcare.com/validation.html

If Encore collection agency is not able to furnish the necessary details about your accounts, it will be considered that they are maliciously forcing you to pay towards your debt. You are required to obtain the following information from the collection agency before you start paying towards your debt account.

• The details of the account.
  
• All the calculation should be shown of the amount that is owed.
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
• Provide a verification or copy of any judgment if applicable
  
• The original creditor needs to be identified.
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

Regards
Roxette

The only comment I want to make is never go through a debt consolidation place. They screw your credit up even worse than if you don't pay the bill. It takes two too three times longer to get your credit straight after going through a consolidation place, I know I am still suffering from going through Encore collection agency. They are not what they say they are and they rob you blind!!!!!!

[skydivr7673]

hi Shirley--

Encore collection agency is a horrible bunch, they are used to breaking federal law so it is important that you educate yourself on the law and your rights as much as you can.

First, what happened is legal--the law allows them to sell the debt to another CA instead of validating it. What you need to do is send that same DV letter to Encore. Be sure to send it certified mail so you will have a receipt of when they received it. Encore likes to tell consumers that "we didnt get any letter from you", so send it certified to cover your butt.

Usually when this happens, it is because you asked for validation and Encore collection agency cannot provide it. So, the law states that if they cannot or do not provide validation they must not try to collect the debt from you ever again. That is specific to that CA, though. So, if you send one to Encore collection agency, they must immediately stop all collection activity, gather the validation documentation, and send it to you before they can start up trying to collect on this debt again. Or, they can sell it off, which is what many of them do once they realize they dont have the documentation the law requires.

Send off the DV request, and let us know what you get back if anything.

Can you still ask for a DV if you have already made a payment to them? And also, what happens to the debt if the credit card company has sold it to Encore collection agency, and the CA cannot collect because of not having the DV? Does that make sense?

[unclewulf]

As far as I know [somebody will correct me if I'm wrong], you can ask for validation at any time from Encore collection agency. They may or may not be required to produce it, but I personally wouldn't pay them another dime until they did.

As to the card co. selling the debt to a CA who can't validate, that's their problem. You still owe the debt, but you can't be forced to pay a CA without validation. Else, how do you even know you're paying the right people?

[sdchargers_63]

Would like to ask some advice on NCO. I've seen a few threads on here, in the past, however....I din't really read them. NCO..are they a LEGIT company? They have called me several times, but, I don't know WHAT they are calling about. They call here, and ask for me. THEN they say they want to "verify my debt," and need more information from ME. If THEY are the ones who have an outstanding debt from me, shouldn't THEY be the ones to tell me? It keeps going 'round and round'. Any advice?

[JCEMT]

I would send em a validation letter to Encore collection agency and see if they can provide any info. It seems they are lacking a great deal of information on you, which disturbs me.

[unclewulf]

Originally Posted by sdchargers_63

Would like to ask some advice on NCO. I've seen a few threads on here, in the past, however....I din't really read them. NCO..are they a LEGIT company?

From what I've heard, NCO are Bad News, and crooked as the day is long. Have you checked Bud Hibbs or ripoffreport?

Originally Posted by sdchargers_63

They have called me several times, but, I don't know WHAT they are calling about. They call here, and ask for me. THEN they say they want to "verify my debt," and need more information from ME. If THEY are the ones who have an outstanding debt from me, shouldn't THEY be the ones to tell me? It keeps going 'round and round'. Any advice?

They're fishing, just like MRS tried doing with me. Send them a strong DV letter immediately. I recommend JCEMT's template. And do not, ever, give them any info about yourself. They should already have your personal info. Anything else, they're required to obtain from the OC and then send to you as part of validation.

[paulmergel]

i also have found a way to avoid unconvicted criminals posing as
legitimate collectors.hanging up,filing complaints.etc,etc.my creed is nothing in writing,nothing paid.i don't work for Encore collection agency.so now you can go about your day acting criminally.hope whatever issues you have you work out.best of luck to you.

Encore collection agency, I don't care what happened to the DV letter once you received it. I have the little green card that verifies that you signed for it, so ignore it if you like, then I'll see you in court sucka!!

Encore keeps calling my 16 year old daughter's cell phone about a debt that belongs to her mom's boyfriend. I told them to not call her phone, it's in my name, the girl said they would keep calling it till they got tim. It's not his phone, he has nothing to do with it. I'm filing a report with the state police and our county attorney. I won't put up with those **** !

****Adult term removed - Jason

[mac4702]

Paying your credit cards is easier said than done! I had great credit til my mortg. taxes tripled on me causing my mortg. payment to more than double! My child was dx with severe ADHD along with a form of Autism, which I have to pay for her DR and meds each month. That's another thing, my childrens insurance isn't free. Neither are her meds and DR visits along with the lab work. Same daughter has to have heart testing due to EKG slighty abnormal. I am still paying for the testing. Yeah, we have had a hectic 3 years. One thing after another...something we call LIFE!
I would love to be able to pay ALL my debt off and be done with Encore collection agency! Before you go around labeling people as deadbeats and "lazy" who drive a BMW and have a $3000 mortg....think about that person and what happened in their life to cause them to fall behind on cc payments! I don't EVER wish anything bad upon anyone!
I pray I am not offending anyone on here who is kind enough to offer help! I thank you for sharing your knowledge with others! Thank You!!

Molly