Corporate Receivables
Date: Tue, 12/23/2008 - 12:03
Sincerely
tellrich29
Unless you are absolutely crazy and want to throw your money awa
Unless you are absolutely crazy and want to throw your money away, then I wouldn't pay them,,,,,Just messing with you.
But the real story. Go over to the BBB.org and look this company up. as you will see there are 2 of them listed. BOTH have an unsatisfactory rating. One has 66 complaints that have not been resolved and the other has 9.
This should tell you what to do. Has this company contacted you in writing yet?
If yes I sure hope you saved the letters. Look at the first letter you ever got from Corporate Receivables, does it say that the communication is from a debt collector? Does it also say you have 30 days to dispute the validity of the debt?
My suggestion is that if in the past 30 days you just got a letter you need to send them a debt validation letter. If it has been more than 30 days, you are sort of out of luck and will just have to wait it out and hope they don't sue, which I think is highly unlikely. These people probably can't take a piss without pissing on the floor and these are girls I am talking about,lol.
How old is this debt? when was the last time you paid on it? Lastly what state are you in?
These questions help a number of things. First and second the Statute of Limitations. Third, part of the first one but also if you are in a certain state, such as Massachusetts, if a debt collector is not licensed, they cannot collect from you.
Here is a debt validation letter in case you need it. Format it to your needs and send it Certified mail return receipt requested. Do not sign this letter, initial or type your name. You do not want to give them an edge to forge your name on something.
Quote:
Your Name Your Address CITY/Town, STATE ZIPCODE Date: March 9, 2005 Collection Agency Name Address CITY/Town, STATE ZIPCODE Re: Acct Ref. # XXXXX and XXXXX To Whom It May Concern: This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you . What I need you to provide as the debt validation is as follows: 1. What the money you say I owe is for; 2. Explain and show me how you calculated what you say I owe; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe; 4. Provide a verification or copy of any judgment if applicable; 5. Identify the original creditor; 6. Prove the Statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 8. Provide me with your license numbers and Registered Agent 9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law. 10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. Best Regards, |
