Response from BBB regarding Rannefeld & Associates/CACH

I received a letter from the BBB in Dallas Texas in regards to my complaint filed against Rannefeld & Associates. After receiving a notice from the BBB in Dallas in regards to this complaint Mr. Rannefeld then sent a fax dated 08-24-2007 that they sent me a response. I have not received any validation from them to this date.

He goes one further to state that Rannefeld & Associates is a law firm that is the basis of this alleged complaint. In response to your letter dated August 9, 2007, ahd the complaint by xxx Rannefeld & Associates provides the following as a response to xxx complaint.

[quote]Ms xxx was sent a letter on June 27, 2007; the letter was F.D.C.P.A. compliant and gave xxx notice of her right to have the debt verified.

On June 30, 2007 Ms xxx sent a letter to my office requesting that we validate the debt. In Ms. xxx complaint she states that she nver received the letter until Saturday, Juy 14, 2007" Further her letter of June 30, 2007 states that there has been no communication at all in regards to this debt, therefore I am requesting that you validate my debt.." Rannefeld & Associates immediatley contacted our client to validate the debt. The Texas Courts have held "It has been held that a debt collector should be able to rely on the information received from the creditor in verifying the debt that and that an indepedent investigation is not required. Ducrest v Alco Collections, Inc. (M.D.La. 1196) 931 F. Supp. 459. Further, "it has also been held that a collection agency does not necessarily have to stop it collection efforts during the validation period so long as its efforts do not threaten a consumer's right to dispute the validity of the debt" See Smith v. Computer Credit, Inc., (6th Circ. 1999) 167 F.3d 1052, 1055. No where in the letter dated June 30, 2007 does Ms XXX ask to cease and desist communication with her. (YEAH BECAUSE THERE WAS NO LETTER SENT TO THEM ON JUNE 30, 2007 SINCE I DIDN'T RECEIVE THIS NOTICE UNTIL JULY 14, 2007)
The second letter Ms xxxx sent was dated July 14, 2007, which states; "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 the information and during such time all collection activity must cease and desists. No where in the letter dated July 14, 2007 does it provide for an immediate cease and desist. Further, no where in the F.D.C.P.A. have I found that if the debt is validated then I have to give her 30 days. To the contrary of Ms. xxx complaint: it has also been held that a collection agency does not necessarily have to stop it collection efforts during the validation period so long as the efforts do not threaten a consumer's right to dispute the validity of the debt" See Smith v. Computer Credit, Inc., (6th Circ 1999) 167 F.3d 1052, 1055.

In Ms. xxx states in her complaint that she contacted our office on July 14, 2007 and requested validation in regards to this matter. She further stated Ken Chandler , was very unprofessional and kept telling her to hire an attorney (which he did and it is recorded :twisted: ). Rannefeld & Associates take all allegations very serious when someone acts unprofessionally, but Ken Chandler can give no legal advice to her, (only to keep interrupting me and telling me to hire an attorney :twisted: therefore her demands for validation of debt were inappropriaate then Ken Chandler can not give her legal advice and must advise her to seek her own council (that is a total lie I did not ask him for his legal advice :twisted: ).

According to the F.D.C.P.A. "the Act anticipates that some debts may not be able to be verified and thus gives a debt collector the option of either providing the requested verificatin, or ceasing collections activities without incurring liability for violating the Act. (I THINK THIS IS EXACTLY WHY I HAVE NOT HEARD FROM THEM SINCE) (See Jang v A.M. Miller and Associates (7th Cir. 1997) 122 F. 3d 480, 483; Smith v Transworld Systems, Inc. (6th Cir. 1992) 953 F. 2d 1025, 1031)

We understand Ms xxx frustration, but deny any wrong doing or violation of the FDCP.(I am quite sure they do deny it) :twisted: Should you have any questions or comments regarding this matter, please do not hesitate to contact my office.

Sincerely,

Blue Rannefeld
Attorney at Law[/quote]
This man is so blatenly lying it is isn't even funny :twisted: . I did not received their letter until July 14, 2007 and the letter is dated June 27, 2007.

I have no idea where he is getting the date of June 30, 2007 as my first communication with them. I sent them a fax on July 15, 2007 (which I have the coversheet to prove it) stating that I wanted them to only contact me through the mail and that I wanted validation of this debt not verification. This was also sent certified/return receipt requested and were received in their office on July 18, and July 19, 2007. ( have copies of everything that I sent to them.)

To this date I have received nothing in regards to validation.

The BBB is giving me 5 days to respond to this. How should I handle this one.

I am so mad I am spitting FIRE right now...
:twisted:

ladybug