old debt
Date: Mon, 11/19/2007 - 20:31
A couple of months later i was contacted by another debt collector agency - who advised that i still owed the full amount of the debt - i tried to explain to them that i had made payments to pay off this debt - and they said they saw no indication of this. This matter has been on-going since 2002 - now i have been receiving calls at my job from lawyers stating that this case is going to court. Now initially when i wanted to pay of ths debt i contacted gateway directly who advised that this debt had been writen off - so how now after 5/6 years can this lawyer be calling me and sending me summons to attend court when this debt has been written off by the initial company - please advise.
Do you not have any proof that you have paid something towards t
Do you not have any proof that you have paid something towards this debt? Cancelled checks maybe?
If a debt is written off by the original creditor, it can be purchased by a third party and pursued for collection. Has the SOL expired? What state do you live in?
ONLY one collection agency can collect on the debt and only ONE
ONLY one collection agency can collect on the debt and only ONE agency can report on your credit as well.
First and foremost send them 2 letters one is a cease and desist notice it will keep them from calling you and if they dont stop you can sue them for harrasement. Second you need to send them another letter called a Validation of Debt letter, they must show proof to you the debt is still valid.
Send the letters certified mail return receipt.
After making the payment,do you still have the dunning letter wi
After making the payment,do you still have the dunning letter with the amount due? Not long back in California, a collector/attorney was sued (and lost) because the amount due kept changing and didn't reflect the amount of the actual debt, which was confusing to the consumer. I've posted that case law here before I think.
I think that would constitute misrepresentation of debt. I would
I think that would constitute misrepresentation of debt. I would consider contacting them and informing them of this and reminding them of their legal obligations per fdcpa, or just sue them for violation.