true logic collecting

Your first legal move is to draft a FDCPA2 in debt collections. The law requires them to serve the details of the debt in writing within 5 days of placing the initial communication. If they have not sent you anything about this debt in writing, send a debt validation9 mentioned in the fdcpa.

It might be possible that one CA has hired their attorney for the collections in your case. If the original creditor has sold off the account, they have to mark a zero balance in your latest credit report. And the new balance will be listed under the present CA doing collections. Send the debt validation to make sure that they are doing the legal thing and have the rights to hit in your credit file.

thnx i will do that.. i know i have a few cc i have not been able to pay..i just checked my free copy of my cr last month and they were still listed with the original creditor as chrege off/ and one as a write off..i know how the whole selling of things works so if it was sold then it had to have happened within the last month.. and this particular accoutn was listed as 3100.00 less in my cr too.. thast why im curious as to where the 3100.00 extra on this bill cam from

Collector must give you the breakdown of the total amount in the debt validation. Do you have the contract signed with the original company? You will know about the legal collection fees after the account is in default. Check the collection agency if they are licensed to do business in your state. Your state will mention the legal collection fees and all company must follow the state laws.