LTA
Date: Thu, 10/09/2008 - 13:05
I keep getting phone calls or rather my family keeps getting phone calls from LTA, Travis Watson and someone with the last name Parker. I was told I had until 9am on Oct 10 to call them or he was filing with the DA's office to have me arrested for fraud. He called my aunt and told her I committed fraud, how is that, when they have my correct information and they want me to pay 1500 on a 150 loan. They also said that I would be facing 10years in prison for committing a felony. I did not commit any felony. How can I get them to stop. I live in Texas and I am tired of the threatening phone calls to my relatives.
Sharing any information with the third party is against collecti
Sharing any information with the third party is against collection laws. In fact they have violated fdcpa law. You can consider the following steps to deal with the collection agency: -
Quote:
How to beat debt collectors? Since they are very treacherous in their dealings with the debtors, you should maintain the following while handling debt collectors. * It is best to record the conversation you have with the collection agencies. * Keep track of the calling time, the time you receive the calls and the reason for which the call was made. * Try not to give out your employment details. They will try their best to get facts out of you. So beware. * Do not furnish any information about your bank account number or your social security number. It is best to get hold of their contact address and mailing address, so that you can send a debt validation letter if the need arises. * In the event they validate your debt, double check the information and look out for any discrepancies. You have a 30 days time to dispute the debt after receiving the validation. * If you have shelled out the money after your debt was validated, do not forget to get an acknowledgement from them. Ask them to remove your details from the credit file. In few cases, they do agree to remove your name from the credit file but there may be instances when they do not agree to do so. Despite the above efforts, if you see that a debt collector is repeating the same irregularities all over again, you can report to the Attorney General of the state you are living in. You may also report to the Federal Trade Commission or FTC. |
You can also go through the following thread to get a glimpse on this collection agency activities: -
http://www.debtconsolidationcare.com/collection-agencies/theft-arbitration-2.html .
