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Posted: Fri Sep 21, 2007 7:27 am Subject: letter sent to me

ok I got a letter from a storefront pdl (I'm in Texas)
and it said you signed to pay this loan back, yada
yada and your cks came back, and come into the store to pay your loan back.

Ok, here's the question - and please if I got something mixed up, straighten me out.

Don't they have to put in the letter the legal
mumbo jumbo something like:
"this is an attempt to collect a debt any information
to collect a debt will be used"

just wondering because it was not in there or does it matter?

thanks!!
Kelly

Posted: Fri Sep 21, 2007 7:28 am Subject:

No, that is only for 3rd Party Collectors. This is the original creditor, so the FDCPA doesn't apply.

Posted: Fri Sep 21, 2007 7:31 am Subject:

Was it a note or a letter in the mail? I was reading on here that some storefront pdls actually come to your house!!!! Now that's a death wish if you ask me!!! They are looking to get shot!

Posted: Fri Sep 21, 2007 7:35 am Subject:

thanks goudah - your the queen!

Posted: Fri Sep 21, 2007 7:36 am Subject:

eleroo, I was in ez money one time and overheard the guy there talking about going to peoples homes.
How can you make them legally not come to your home, I wonder?

Posted: Fri Sep 21, 2007 7:39 am Subject:

I don't know! I would never feel comfortable enough to go to someone's home to collect money. What would you say? "Give me the money or I'm gonna give you a black eye!" Honestly...And I don't know how I would react to someone coming to my home and asking for money! I would be totally freaked out!