Delinquent debtors and myths about debt validation
Date: Mon, 02/04/2008 - 10:31
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
(a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
*********************************
So you only can request validation when there is some dispute about the debt. When there is no dispute about the debt (which is almost all the time), we don't have to waste our time to send you anything.
Also, all we have to send is the name and address of the original creditor. We don't have to send you a 50 page portfolio on the debt you know you owe.
So how about just paying your bills?
reply
SINCE YOU CAN'T SEEM TO ANSWER QUESTIONS,I WON'T ANSWER YOUR CYBER STUPIDITY.TAKE OFF DEUTSCH BANK. 8) 8) 8) 8)
Ya know, you really should sign up for an account, so we can all
Ya know, you really should sign up for an account, so we can all welcome you properly. :twisted:
Texas law allows a consumer to dispute anytime they feel like it
Texas law allows a consumer to dispute anytime they feel like it! So take that Mr. No Nonsense Collector. :) Neener neener neeeeener.
Ok..I will resume being an adult again.
Thanks!
Well, I said Monday was the start of a whole new work week and was looking forward to a new post. No Nonsense Collector didn't let me down.
Hey slick!
I don't think you read, and more importantly comprehended, what you copied and pasted here. It reads "that the debt, or any portion thereof, is disputed,"
Any portion thereof?
So I'm wanting to verify why a debt that I may not dispute I owe suddenly jumped another $1,500.00 in the amount? Why I have three CA's attempting to collect on this debt at the same time and two have the correct amount listed in their Dunning Letters, but somehow one CA has an elevated amount listed in their letter?
Your own words: So you only can request validation when there is some dispute about the debt.
OK, I'm disputing how you arrived at the exorbitant amount your CA is claiming I owe. I am also disputing the fact that a total of 3 CA's are wanting me to pay them for this debt, all at the same time.
And you forgot to copy and paste this part.
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
So, please keep stopping by for a visit as your posts might actually be opportunities to learn a thing or two.
reply
WELL SAID RON,AS ALWAYS.THIS IS ONE DEUTSCH BANK WE SHOULD JUST IGNORE.THAT BEING SAID,I AWAIT THE NEXT BUNCH OF RESPONSES. 8)
Well, actually I think UnemployedRon made a very good post. What
Well, actually I think UnemployedRon made a very good post. What may have begun as a "spam thread", ended up leading to some VERY good information. As far as my post, well, I was inviting Mr. Know It All (No Nonsense Collector) to join this forum, we may be able to educate him, ya never know!
reply
I THOUGHT THE SAME THING.ILLUMINATION ISN'T A BAD THING.THE PROBLEM IS HOWEVER,PEOPLE LIKE HIM WILL NEVER CHANGE.SO I STOPPED TRYING.HEY PDL GUY HERE I AM,A TOTAL DEADBEAT IN YOUR EYES. :P :P :P
[quote=No Nonsense Collector] [/quote] Dude. Either [a] fearn
[quote=No Nonsense Collector] [/quote]
Dude. Either [a] fearn to read above a 6th grade level, or f*#% off.
Don't bother with this guy, he posts and never responds when cha
Don't bother with this guy, he posts and never responds when challenged, just like a whipped wet dog. I asked him questions plenty of times and he just runs and hides.
BTW Collector. You fail.
All this, from the guy that responds with HTML to Mr. Stress Rel
All this, from the guy that responds with HTML to Mr. Stress Relief? 
Yeah, I know what he's up to. I can't get the prick to come out and play, either.
Have you noticed that his attitude is the same as every other CA
Have you noticed that his attitude is the same as every other CA (or at least just about all of em)? They seem to think that asking for validation is to simply determine if the debt is yours or not..but even in the very writing itself:
Quote:
that the debt, or any portion thereof, is disputed |
ANY part of the debt may be disputed.
Then they blather and bawl that they only have to send the name of the OC....again, they see only what they want to see:
Quote:
(a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, |
This is easy, basically it says that the consumer can EITHER ask for validation OR name and address... then comes...
Quote:
the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. |
Obviously the above quote goes hand in hand with the first part.....a consumer can request A. validation OR B. name and address and the CA MUST provide validation if that was asked for OR the name and address if THAT is what was asked for. Sheesh you would think they can comprehend what they read.
Makes you wonder if the government wrote the laws with magic marker 'Invisibility to CAs' because they sure don't see key parts of those laws.
LOL!
GoldenBast, I was taking a bite of a Manwich when I read your post, and spewed it all over my keyboard from laughing out loud!!! I'm specifically refererring to the "invisible to CA's only" magic marker comment. Struck my funny bone quite hard!
What a riot!!
I do tend to agree with you though, it seems some of them are looking at the same thing we are; however, seeing something completely different.
Quote:So you only can request validation when there is some disp
Quote:
So you only can request validation when there is some dispute about the debt. When there is no dispute about the debt (which is almost all the time), we don't have to waste our time to send you anything. Also, all we have to send is the name and address of the original creditor. We don't have to send you a 50 page portfolio on the debt you know you owe. So how about just paying your bills? |
If you take this approach at your CA, then you must leave a ton of money on the table. If you're conversational and a decent negotiator, you'll collect more money than the entirety of the "pay up, scum" crowd.
EDIT: Tags are stupid... :P
Based on that OP, you must be good at your job. It's all about k
Based on that OP, you must be good at your job. It's all about knowing how to talk to people. Diplomacy my friend, diplomacy.