collection from canada? collectors exchange?
Date: Mon, 01/28/2008 - 16:30
we've had no communication.....just messages that they've left along with a letter that arrived today that we have not opened......considering returning to sender. but if we don't open it then we really don't have a way to send a c&d or validation letter.
anybody know which law would be applicable (alberta or arkansas)? would they have the power to garnish wages or anything like that?
thanks.
Sacasteel I would open the letter and send them a validation le
Sacasteel
I would open the letter and send them a validation letter. Even if the Debit is SOL it is still a debit that is owed. I believe that they can not sue if it is SOL but they can still collect. If it is a junk debit collector then they will not be able to validate.
I am not an expert I just have personal experience. But money owed is money owed
Hi, if you wife's debt was in Canada back in 2002, in order to c
Hi, if you wife's debt was in Canada back in 2002, in order to collect on it, she has to reside in Canada. Since she is not in Canada, and they are trying to collect something that is definitely SOL (knowledge), then send them a Cease and Desist letter and leave it as that. Who is the collection agency?
Is the CA licensed to collect in your state?? CA's can collec
Is the CA licensed to collect in your state??
CA's can collect in the US from Canada....there are several cross border CA's with offices in both countries. They could hire an attorney in your county to file suit. The laws of Arkansas would apply. However it appears that the SOL has expired. Ignore them.
the collection agency is collector's exchange(?) and they appare
the collection agency is collector's exchange(?) and they apparently are in ontario.
i'm not sure whether they are licensed in the state of arkansas. i will try to find out.
is it legal for them to call my wife at work......several times?
CA can call you at work unless you tell them NOT to call you at
CA can call you at work unless you tell them NOT to call you at work.
I would send them a C&D....SOL has expired and although they can attempt to collect, they cannot sue.
as i understand.....it is expired as long as there is no judgeme
as i understand.....it is expired as long as there is no judgement against her. how could we find that out for sure?
oh.......and just for the record. they've told everybody (her e
oh.......and just for the record. they've told everybody (her ex and her employee) that this is regarding a debt.
i'm about to get nasty with them. we've recorded the voicemail of them threatening to call her work.
Send the DV, a Cease & Desist (at least to phone calls). Start
Send the DV, a Cease & Desist (at least to phone calls). Start making recordings and haul their butts to court for the violations.
after doing a little research.......i think that this is actuall
after doing a little research.......i think that this is actually creditor's interchange......not creditor's exchange.
still want to find out for sure about a possible judgement against her before i do anything.
Quote:oh.......and just for the record. they've told everybody (
Quote:
oh.......and just for the record. they've told everybody (her ex and her employee) that this is regarding a debt. i'm about to get nasty with them. we've recorded the voicemail of them threatening to call her work. |
Well you just made some money!! Get statements from EVERYONE they talked to right away. If you have a notary in your office get it notarized. Get a copy of the voicemail.
Creditors Interchange have offices in both the US and Canada. Corportate offices are in the US. Corporate Office:
80 Holtz Drive,
Buffalo, New York 14225
You can easily type an intent to sue letter with your complaint and proof. You will want to threaten to contact the FTC, BBB, your state ag's and the provincial licensing board where they are calling from. This fdcpa violation is an easy $1000 in your pocket.