Arrow and Zakheim & Associates
Date: Tue, 09/30/2008 - 06:33
Hello all...i'll try to make this short. About 6 months ago I received a letter from Arrow that I owed them $1400.00 for an old debt. I sent them a DV stating to only contact me by mail. A few weeks later I received a second letter stating that I did not contact them within 30 days of the first letter so they do not need to validate. I again sent a DV again requesting that they only contact me by mail but the phone calls continued. I never received another letter from them but I estimate I received over 100 calls on my cell and around 50 voicemails left.
Fast forward to last Friday, on my way to work a call came in on my cell and I didn't answer. I googled the number and it came back as a law office called Zakheim & Associates. Surprise...when I got my mail yesterday I had a letter from them saying that they are attempting to collect a debt on behalf of Arrow but it is a differant debt then the original and I have 30 days to dispute.
So my questions are: Because Arrow continued to call me after I requested contact by mail only, are these calls considered violations? And neither Arrow or Zakheim are reporting on my CR's, if they can legally collect this debt wouldn't they be reporting? Should I DV Zakheim right away or should I wait until the end of the 30 days?
Thanks for any info.
Fast forward to last Friday, on my way to work a call came in on my cell and I didn't answer. I googled the number and it came back as a law office called Zakheim & Associates. Surprise...when I got my mail yesterday I had a letter from them saying that they are attempting to collect a debt on behalf of Arrow but it is a differant debt then the original and I have 30 days to dispute.
So my questions are: Because Arrow continued to call me after I requested contact by mail only, are these calls considered violations? And neither Arrow or Zakheim are reporting on my CR's, if they can legally collect this debt wouldn't they be reporting? Should I DV Zakheim right away or should I wait until the end of the 30 days?
Thanks for any info.
DV Zakeim RIGHT away. In your letters to Arrow; did you sen
DV Zakeim RIGHT away.
In your letters to Arrow; did you send them certified mail return receipt requested? You should ALWAYS send every piece of mail this way, so you have proof that you contacted them.
Quote:Because Arrow continued to call me after I requested conta
Quote:
Because Arrow continued to call me after I requested contact by mail only, are these calls considered violations? |
A "limited C&D" is a hotly debated topic here. My take on it is that since there is no provision for it in the fdcpa, then it can be taken as a full cease comm or ignored completely. So I would say no violations there.
Quote:
neither Arrow or Zakheim are reporting on my CR's, if they can legally collect this debt wouldn't they be reporting? |
Keep monitoring your reports. Chances are Arrow will eventually report.
What state do you live in? When was the last time you paid on the account?
