no Mini Miranda given
Date: Wed, 09/28/2005 - 21:45
Kasey, Since you're well informed about the rules of debt col
Kasey,
Since you're well informed about the rules of debt collection, it's easier for you to handle the situation. If I was in your place, probable got nervous and scared.
Anyways, you can file your online complaint with Governor's Office of Consumer Affairs, Georgia. Visit consumer.georgia.gov
The steps to file a complaint are stated there. Wish to hear from you very soon. Best of luck.
Bryan
Hi Kasey Welcome to the forums. It seems from your post t
Hi Kasey
Welcome to the forums.
It seems from your post that the collection agency is not providing the actual details of your debt and is trying to intimidate you. Have you sent them a letter to validate the debt through certified mail with return receipt? They are legally required to present the complete details of your account once they receive your letter. You can refuse to pay the amount until it has been proven.
If the debt is not validated and they keep contacting you, it will be a violation of the Consumer protection afforded by the fdcpa Section 809 (b) and you can sue them up to $1,000.
Moreover, it will also result in a violation of the FDCPA law under Section 805 (c) on charges of contacting you even after sending the cease and desist letter. You can sue them up to $1,000 for this action too.
You have the legal rights to force the collection agency to remove all the negative information appearing in your credit report if the debt is not presented to you in actual shape.
Use your consumer rights against the collection agencies who work outside the lines of the FDCPA law. You can file your complaints at the FTC, BBB and the state attorney general office and request for immediate action.
Regards
Roxette