Past Debtor closed and is NOT allowed to do business in NC
Date: Wed, 10/18/2006 - 11:00
Since then Riscuity has been calling me and they said my balance was 135.00 which didn't sound right and to no avail I had moved and couldn't locate my paperwork. I had made a settlement with them and they began to withdrawal my checking account until I told them to stop b/c I just didn't have the money that month to pay it...they didn't and since then keep calling me at work even though I have requested them not to do so.
What do I need to do about this - I don't think that I owe them any money and they haven't sent me a settlement letter (which is a stupid mistake on my part for aggreeing to set up an arrangement beforehand).
Since then, I have closed my account and now they say they will press charges against me.
I think you should force Riscuity to validate the debt before th
I think you should force Riscuity to validate the debt before they press you for further payments. If this debt is legitimate, they must prove that they have the complete info. Without this done in writing, you can refuse to pay anything. Send a debt validation letter to their mailing address and wait for their response. You are requesting the necessary info and thus, they have to stop all the collection attempts till the info is given to you.
Validation letter??
What information do I need to include in this letter? I know I probably sound stupid but I have no idea how to compose such a letter and what I need to say. Is there some kind of sample or something that I can use online?
Thanks a_neblat for replying, this will really help to ease my frustration with all this.
Don't feel stupid about this. It's just a rough time. We all lea
Don't feel stupid about this. It's just a rough time. We all learn new things everyday and probably this will make you an informed person for the future.
First read the fdcpa laws here http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 . You will get the legal base of this debt validation concept and force it on the collectors that often come up with wrong info.
I found this sample letter for you. Insert your info into the letter and send it through certified mail. You will be sure about them receiving your request.
http://www.debtconsolidationcare.com/letters/sample6.html
Thank you
This will be a big help. I am trying to build good credit for myself so that I can purchase a home soon. My credit is in the low 440's so, I am pretty embarrassed about it, thanks to my ex-husband and his spend happy wallet.
I do take some of the blame, but If only I know now what I didn't know then.
Not to worry!! Just monitor your credit regularly. Don't let any
Not to worry!! Just monitor your credit regularly. Don't let any incorrect item in your file hurt your credit potential. Collectors are famous for doing mischievous activities on person's credit. If this debt is not proven in writing, the company has no right to hit your credit. If they try keeping the info, it will be FCRA violation and you can take legal actions against them with a lawyer.