Cannot get help.........

And I bet this post gets removed or locked also.

Can you please post your information, so that I can try and help you. I would need your state, how much you borrowed and how much you have paid back including all fees and interest.

I didn't "borrow" any money.
And the company that has violated almost very FTCPA there is. The company is CMG Recovery Services.
Under duress I paid them $100 as a Payment plan and then when I found out they quoted a non-applicable law to me (and told my parents that they were attorneys and I was going to be sued for "fraud and have DL suspended"); and btw, I am 46 years old, they had no right to call my parents on a debt I had no knowledge of and was taken out illegally by my daughter under my name 2 years ago.
Since right before Christmas 2008, I sent them a demand for proof of debt due to the circumstances and it being an internet loan and they already told me they did not have proof of the debt because it was an "electronic signature".
They signed for the certfied letter this past Monday. I have not heard word one from them.
I just need to know what step to take next so I can make sure all loops are closed as far as my end goes.
This is the letter I sent to them via USPS, certified, return receipt:
"Date: Dec 30, 2008
To: CMG Recovery Services
481 Oliver St
North Tonawanda, NY 14120
Attn: Mark Byer

Mr. Byer,
I am writing in response to your email (which is attached) because I do not believe I owe what you say I owe, therefore the payment plan you emailed to me is null and void.

This is the first I've heard from you or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
(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.
I respectfully request that you provide me with the following information:
???the amount of the debt;
???the name of the creditor to whom the debt is owed;
???Provide a verification or copy of any judgment (if applicable);
???Proof that you are licensed to collect debts in Texas;
???Proof that you legally bought this debt from the original company;
???Copies of all paperwork submitted for this debt to include (but are not limited to) paperwork showing signatures which attribute this debt to me.

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: because I have disputed this debt in writing within 30 days, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense; you cannot add interest or fees except those allowed by the original contract or state law. You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the fdcpa.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General???s Office, the Federal Trade Commission, the Better Business Bureau as well as other local and Federal agencies.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

???Attached is what you emailed me and in addition I am herby stating that the $100 payment I made was taken with your company violating my rights under the FDCP Act and therefore, I am disputing it and demanding that the $100 you took from me be returned to me immediately, within 3 days of receipt of this letter.

???Under the Fair 1, you have 5 days upon receipt of this letter to send me proof of this debt and other demands I have made which are within the Fair Debt Collections Act.

Thank you for your prompt attention to this matter.
Regards;" (my name typed not signed so they could not copy my signature onto other items).

I understand that my $100 payment is gone but the code they told me to type into google.com was Sec 399-A:7. I don't leave my computer on and was on my way out the door so I did not look it up until later and it does not apply to me in any way, shape or form. They lied about that also. They also went into depth with my parents about this "loan" which violates MY rights. My daughter took this loan out, had it sent to my bank account and did it all online. She then took my debit card from my purse while I slept and skipped town after wiping out my bank account (again, this was 2 years ago). I immediately closed my account with that bank due largely in part because they said they could not provide me with video tape showing the transaction at their own ATM. The DA would not take the case because it is more of a "family issue" and hard to prosecute.
Every 6 months this one debt is sold to another bottom feeding collection agency who tries to intimadate me into paying it. This person almost suceeeded due to me being in a hurry and having to go pay legitimate bills (I had just gotten my final paycheck as I got laid off Dec 5 after 9 years). This company will now sell it to another company.........but any help you could give me would be appreciated as to the next step.
Do I send them a follow up Proof of debt demand
or
another letter stating since they did not respond, I consider this matter closed and my account clear and demand a letter stating that. (Yes, I know they won't send it to me, but IF a collection agency in NY tried to sue me, I have proof I did all I can do and they are also not licensed to do collections in TX).
Sorry this is so long but trying to condense it without leaving too much out.
Just need the next step template or guidelines if anyone can help.
Thanks kfstaff24 and everyone else.
This is just very frustrating and I would rather go to jail (if it were to come to that) then go to jail over a debt I do not owe and I will NEVER pay it.

I think we noeed some other info to like the name of the interner PDL company, how much it was originally for etc... If you can prove that the original loan was illegal in your state disregaurded the laws etc... then I don't belive they can collect on it anyway.

They did not give me the name of the original creditor other then it was "10 dollar payday?" and they had not info on how much it was for, they had no proof.
Please re-read what I posted (which is what I was aked to re-post). CMG Recovery Services is the company attempting to collect. there are many postings by me in these forums under screen name "whatevertoday".
I was asking if anyone knew what the next follow up step is if a collection agency does not reply to a demand for proof of debt letter.

forget it, this is ridiculous that I cannot get my original log in info from the moderators, that I keep posting the same info over and over and even when I post what I was asked to by one person, another person jumps in and asks questions about what I already provided.
This website has rapidly become useless because I asked a moderator why my original question was locked because 2 other immature people decided to argue back and forth in MY topic....take it offline people and let those who are seeking help find the answers they need.
Like I stated, maybe my life insurance policy will pay off this ongoing debt because no one can seem to answer one question: what is the next step after a demand for proof of debt is sent?
I'll just contact a REAL attorney and the TX state AG office.
I should NEVER have wasted my time in this forum just to have 2 juvenile's jump into my postings to cause them to be locked and my account never validated or assisted gotten even though I did everything I could.

Ok I found some good info here http://www.debtconsolidationcare.com/steps.html
Send a debt validation letter & accept a reply only when it contains the following
Proof that they are assigned to collect the debt by a creditor.
Detailed payment history, starting with the original creditor.
Copy of the original signed debt agreement or credit card application.
If the reply is not satisfactory, inform them that they are violating FDCPA, section 809 (b) and they need to remove collection listing from your credit report. Otherwise you may sue them.

I hope this helps!

This is the letter I sent to them via USPS, certified, return receipt:
"Date: Dec 30, 2008
To: CMG Recovery Services
481 Oliver St
North Tonawanda, NY 14120
Attn: Mark Byer

Mr. Byer,
I am writing in response to your email (which is attached) because I do not believe I owe what you say I owe, therefore the payment plan you emailed to me is null and void.

This is the first I've heard from you or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
(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.
I respectfully request that you provide me with the following information:
???the amount of the debt;
???the name of the creditor to whom the debt is owed;
???Provide a verification or copy of any judgment (if applicable);
???Proof that you are licensed to collect debts in Texas;
???Proof that you legally bought this debt from the original company;
???Copies of all paperwork submitted for this debt to include (but are not limited to) paperwork showing signatures which attribute this debt to me.

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: because I have disputed this debt in writing within 30 days, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense; you cannot add interest or fees except those allowed by the original contract or state law. You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General???s Office, the Federal Trade Commission, the Better Business Bureau as well as other local and Federal agencies.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

???Attached is what you emailed me and in addition I am herby stating that the $100 payment I made was taken with your company violating my rights under the FDCP Act and therefore, I am disputing it and demanding that the $100 you took from me be returned to me immediately, within 3 days of receipt of this letter.

???Under the Fair Debt Collection Act, you have 5 days upon receipt of this letter to send me proof of this debt and other demands I have made which are within the Fair Debt Collections Act.

Thank you for your prompt attention to this matter.
Regards;" (my name typed not signed so they could not copy my signature onto other items).

Okay first you need to calm down. I know collections can be stressful and even more so when they are not your debts. I am not sure why threads and comments got locked and I am not going to go back and read why. We are here now and lets see if we can help.

I read your whole post here in this thread.

A) Your daughter took out a payday loan illegally using your bank information and electronically signing your name

B) She skipped town with not only the money from the loan that was deposited in you account but also the rest of your cash

C) You reported this to your bank as well as the prosecutor but neither would help you

D) This all happened two years ago

E) A collection agency (CMG REcovery Service) contacted you about this payday loan debt, this is one among many

F) Under pressure from the collection agency you gave them $100

G) You know realize that was a mistake as they took at as an admission to the debt

H) They are hounding you and your parents

I) You have sent them an extensive proof of debt letter

J) All that is mute as they will just sell the debt off again to another creditor and the cycle starts all over

I think I got that all.

Okay, Ten Dollar Payday is an internet Payday Loan Company. I believe from what I have searched on this site that they are illegal. Since the loan was illegal so is the collection of that loan.

If you use the search box on this site and put in "10 dollar payday" you will find numerous threads about them.

If they are illegal I would send them another letter stating that fact. I think you should contact your state AG office. They may already have complaints about the original loan company and their illegal practices.

Since this has really gone beyond pay day loan help maybe you can do some searching in the collection agencies and Creditors forum found here.

They may have more info on CMG and how to deal with them. I wish you luck.

Nohiogal that is the same advice I was about to give. Thanks for helping this poster.

No problem. I wish I had found this site two years ago. If I had I might not be in the spot I am in now.

The information here helped me avoid large interest fees with an illegal PDL and I am grateful.

I am still learning and making mistakes myself but things are going forward even if at a faster pace then I was finacially ready for :?

The least I can do it try and give back and help others.

I have not even begun to tackle the "regular" debts I owe which will be a big leap to take and I will hopefully get there one day but I need to handle the more pressing debts right now which are the PDLs.

Yes, I understand. I myself have used unconventional methods to get back on track.

I am certain debt counselors would not agree with how I handled my regular bills while attempting to get out of PDL hell but it has worked for me. I still have a ways to go but I am making progress.

Good luck to you nohiogal, I know you will succeed.